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 employees should have told me all of that and they didn't they said I didn't have tipsy. If was I the contract the employees should have advised that as well. Which they didn't. They should still honor it.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/11/25) */
CONFIDENTIAL COMMUNICATION
November 25, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate on October 14, 2014 Mr. [redacted] purchased a Samsung 48" 1080p LED Smart TV. On November 18, 2015 Mr. [redacted] contacted Fingerhut stating the TV was no longer working properly. A letter was sent to Mr. [redacted] advising him he would need to contact the manufacturer as we require returns to be made in accordance with our return policy which states:
"We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 180 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers' warranty. Software and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only."
For all concerns with this product Mr. [redacted] will need to contact the manufacturer, Samsung, at [redacted] Monday through Sunday 9AM to 9PM Eastern Standard Time.
The last payment we have received from Mr. [redacted] was on June 15, 2015. Due to severe delinquency his account was charged off on November 16, 2015. The current balance on Mr. [redacted]'s account is $1367.18. The minimum amount due by December 15, 2015 is $479.93. To make payment arrangements we ask he contacts our Payment Department at [redacted] Monday through Friday 7AM to 9PM.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/12/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First off, sent the TV to samsung like they requested samsung had TV for 27 days, when I got the TV back it DID NOT WORK..Called Fingerhut again, as was given the standard answer call samsung..Continued to pay $74.00 a month from October till June 10x74 =$740.00 with the idea of we can get this resolved also spent another $472 to have TV repaired, and its still not working properly..Spent 14 months trying to get this taken care of, have over 500 calls in, Fingerhut sends you to the collections department, then to customer service, and each time its the same call samsung..I have been laughed at hung up on, and been ridiculed for better than a year..Stopped paying on this in June simply because it has been a nightmare dealing with people who speak no english, its an impossibilty getting my point across, this has ruined my credit, because of this. As far as I'm concerned this debt is paid, in fact they owe me because I have to buy another TV, you google complaints against Fingerhut, there are thousands and all say the same thing..Please help me, this is driving me insane..
THANK YOU
Final Business Response /* (4000, 9, 2015/12/07) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As we have previously stated the Samsung Smart TV Mr. [redacted] is referring to is out of our return policy timeframe.
We apologize for the frustration Mr. [redacted] has experienced while dealing with the manufacturer, Samsung. Unfortunately, we are unable to assist in concerns he has with the product. For any issues with this product, Mr. [redacted] needs to contact Samsung at [redacted].
We have not received any payments on Mr. [redacted]'s account since June 15, 2015. Due to severe delinquency, his account was charged off on November 16, 2015. The current balance on Mr. [redacted]'s account is $1367.18 with a minimum payment of $479.93 due by December 15, 2015.
Although we understand Mr. [redacted]'s frustration regarding this matter, it does not deviate from the fact that he has received merchandise from Fingerhut charged to his WebBank/Fingerhut Advantage Credit Account and remains responsible for the corresponding debt. Per the Terms and Conditions that were agreed upon when the WebBank/Fingerhut Advantage Credit Account, "If you fail to fulfill the terms of the credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
At this time we have provided all information we have available on this matter. Fingerhut considers this matter closed.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
We have left a voice mail stating we need to schedule a technician to go out to add the STB. We have called 5 times and have not received a call back. The customer must return our call and we can deal with his issue directly. Case closed.
On 11/*/15, a technician was dispatched and restored the
service. Out of service credit was issued for 11/[redacted]/5 for all lines in the
amount of $17.98. On 11/*, a technician in Verizon’s Fiber Solutions Center
instructed the customer on how to set up her ultra-forward feature. On
11/**/15, Verizon advised the customer that credit for the data account was
applied in the amount of $535.46 (she was billed $753.45 but was given credit
for $99.99 on 10/6 and $100 on 6/*/15. It was also noted that on 10/**, a manager
gave a credit of $750 for the features not working for 6 months. The customer
wanted credit for her entire service for 6 months. The customer was advised
that credit could not be issued. All remaining charges are sustained.12/*/15 Verizon has not closed this complaint. Investigation
continues with respect to the customer’s request for additional out of service credit.
A customer service representative spoke to the customer regarding their concern. The customer advised that this issue was resolved months ago and she was not sure why we were calling her.
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 been claiming early termination fee for the service that has NOT been provided. There has been service calls which has not been resolved by Verizon, and since there is no service provided by them, we have a right to cancel, and don't need to pay any fee if they have not been providing the service written in the contract.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Upon receipt of the complaint, the issue was referred to the appropriate department to review and investigate. Our representative spoke with the customer's daughter who verified the account. The representative resolved the on-line issue with the customer's daughter.
Verizon's response remains. Verizon's records show the account had a balance of $166.45 and it was sold to Orion. The customer would need to contact Orion (the account purchaser) at phone number ###-###-#### regarding this matter. Verizon no longer has rights to the account. Verizon has not credit reported the customer. Several attempts were made to contact the customer via phone at the number provided by the customer. Verizon has not been successful in reaching the customer to discuss this matter further. The information has been provided to [redacted] via mail On 3/**/16, Verizon's representative made another attempt to contact the customer via phone at the number provided by the customer. A recording is currently on the line advising that the number is no longer in service. The number for Verizon's Escalation Team was provided to the customer via mail.
We do agree with the customer and advised him that we can't stop the billing but we will follow up on the first bill and credit the first installment of $23.33 and then stop the 2nd & 3rd installment billings. Case closed.
Upon receipt of this complaint we made attempts to reach [redacted]; leaving messages. Our Calls have not been returned but we have confirmed that [redacted] spoke with someone in customer service and they have given a $10 recurring adjustment for 12 months to make the price $29.99. ...
If [redacted] has any additional concerns/questions he can contact us directly * ###-###-####
Dear Mediator, Upon receipt of this complaint, Verizon referred this matter to our Customer Service department. According to our records, John Intonato expressed concerns about the quote of charges related to his Verizon billing. Upon review, Verizon communicated with [redacted] and he expressed his dissatisfaction with our customer service experience. [redacted]’s monthly pricing was quoted at $194.94 but his February bill came in the amount of $467.04. [redacted] spoke with a representative who detailed the bill and explained the charges. Verizon advised the previous January bill did not have all the charges associated and when the February bill came, it added the charges from the previous month’s bill. [redacted] advised he was not informed of this and was not happy about the inconvenience. Because of the issues [redacted] has faced, Verizon applied a one-time good will credit of the highest amount totaling $60.06 to be applied no later than the March 2017 billing statement. Furthermore, I have left my number with [redacted] should he have any additional questions or concerns.
I spoke with customer on [redacted] and apologized for the complications with his orders. I offered to have a new order for service placed. Unfortunately, at this time the customer did not agree to place a new order.
Good afternoon, I spoke with the claimant on 12/2 at around 2pm. We spoke at length of his complaint and I explained that we would not give him 100/100 speed for the price of 50/50. I advised that I spoke with the tech and he was simply stating that everyone is now getting 100/100, as in this is the...
speed the majority of our customers are ordering. He did not state that it would be for the same price, nor will the claimant state that the tech mentioned it was for the same price. This misunderstanding is what led to the complaint. Claimant did eventually agree to have his speed lowered to 50/50 in order to receive that pricing. He also requested information on if he would be refunded the cost of the Verizon router he purchased. I stated I was unsure but could have my contacts find out. The claimant called back about 20 mins after our conversation and advised me that he did not want any changes on his account and that he was not satisfied with the resolution. He would only be satisfied if I were to grant him the 100/100 speed for the price of 50/50, I stated that would not be done. He will continue to pursue the complaint until he is granted a resolution he is satisfied with. He also did not want me to find out about the refund for the router, stated he would find out himself. No changes have been made to the account per his request. Additionally, our position is final in regards to granting 100/100 speed for the price of 50/50.
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 was NEVER informed by Verizon that I would not be entitled to additional reward points. In fact, they stated that they would be returning my call and NEVER did. In addition to asking for additional reward points due to the inconvenience and delay and numerous back and forth communications because of Verizon; I originally was asking to be compensated via reward points for the actual money I had to pay for movies because they did not originally give me my entitled reward points. I had to pay for numerous movies because they did not provide me with my reward points. I am extremely frustrated that I have to keep going back and forth with this company and have lost time from work and money as a result of their incompetence. I expect them to make good on this and reward me points for my monetary losses in addition to the inconveniences I am still experiencing.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
We have made multiple attempts to contact [redacted]; leaving messages. To date our calls have not been returned. If [redacted] would like to discuss this further he can call us directly
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Gettington credit account ending in [redacted]. We have included a statement of account activity and a copy of the Terms and Conditions. Mr. [redacted] states that he had an account with Gettington, paid the account in full and the account is still showing as derogatory on his credit report. Mr. [redacted]’s desired resolution is to have the account removed from his credit report. Our records indicate, on December 17, 2014, an application was processed over the internet using Mr. [redacted]’s personally identifiable information. On that same day, an order was placed online for a Huffy Spider-Man Lights & Sounds Trike, Fila Misses’ Shimmer Jacket, CHI Air Texture 1-1/2" Ceramic Curling Iron, RoseArt Magic Fun Dough Volcano Playset, MD Sports Tabletop Air Hockey Game, Fisher Price Dora the Explorer Backpack, Sesame Street Color ’n Play Giant Playhouse, and a Skyrocket SkyViper QuadCopter. The merchandise was shipped via UPS to the same address as on the application. We have received multiple payments on this account from a checking account ending in 1812 and a MasterCard debit card ending in 1598 both shown in the name of Nick [redacted]. The last payment, totaling $49.02, was received on September 30, 2015. As no further payments were received, the unpaid balance of $561.97 charged off on May 5, 2016 and the account was sold to Resurgent Capital Services on June 1, 2016. According to an account review completed on April 7, 2017 Experian and Trans Union are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero. Equifax is no longer reporting a trade line. 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 states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Mr. [redacted] has questions about what Resurgent Capital Services may be reporting, he may contact them directly at ###-###-####. ...⇄ Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
A billing representative spoke with the customer and advised that she had not been charged for any unreturned equipment. Our records do not show there is any equipment that needs to be returned.
After investigation, Verizon found that the disconnection of [redacted]'s service was not processed correctly. Verizon records show, as stated in the complaint [redacted] paid the final bill in full. Verizon has sent notification to the credit bureaus to have this account removed from his credit...
report. It can take up to 30 days for the credit bureaus to update their records. A Verizon representative spoke with [redacted] on 11/**/16 and provided him with the findings of the investigation. Email has been sent to [redacted] confirming the credit score reversal.
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 employees should have told me all of that and they didn't they said I didn't have tipsy. If was I the contract the employees should have advised that as well. Which they didn't. They should still honor it.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/11/25) */
CONFIDENTIAL COMMUNICATION
November 25, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms....
[redacted],
I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate on October 14, 2014 Mr. [redacted] purchased a Samsung 48" 1080p LED Smart TV. On November 18, 2015 Mr. [redacted] contacted Fingerhut stating the TV was no longer working properly. A letter was sent to Mr. [redacted] advising him he would need to contact the manufacturer as we require returns to be made in accordance with our return policy which states:
"We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 180 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers' warranty. Software and music CD's: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only."
For all concerns with this product Mr. [redacted] will need to contact the manufacturer, Samsung, at [redacted] Monday through Sunday 9AM to 9PM Eastern Standard Time.
The last payment we have received from Mr. [redacted] was on June 15, 2015. Due to severe delinquency his account was charged off on November 16, 2015. The current balance on Mr. [redacted]'s account is $1367.18. The minimum amount due by December 15, 2015 is $479.93. To make payment arrangements we ask he contacts our Payment Department at [redacted] Monday through Friday 7AM to 9PM.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2015/12/01) */
(The consumer indicated he/she DID NOT accept the response from the business.)
First off, sent the TV to samsung like they requested samsung had TV for 27 days, when I got the TV back it DID NOT WORK..Called Fingerhut again, as was given the standard answer call samsung..Continued to pay $74.00 a month from October till June 10x74 =$740.00 with the idea of we can get this resolved also spent another $472 to have TV repaired, and its still not working properly..Spent 14 months trying to get this taken care of, have over 500 calls in, Fingerhut sends you to the collections department, then to customer service, and each time its the same call samsung..I have been laughed at hung up on, and been ridiculed for better than a year..Stopped paying on this in June simply because it has been a nightmare dealing with people who speak no english, its an impossibilty getting my point across, this has ruined my credit, because of this. As far as I'm concerned this debt is paid, in fact they owe me because I have to buy another TV, you google complaints against Fingerhut, there are thousands and all say the same thing..Please help me, this is driving me insane..
THANK YOU
Final Business Response /* (4000, 9, 2015/12/07) */
CONFIDENTIAL COMMUNICATION
December 3, 2015
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As we have previously stated the Samsung Smart TV Mr. [redacted] is referring to is out of our return policy timeframe.
We apologize for the frustration Mr. [redacted] has experienced while dealing with the manufacturer, Samsung. Unfortunately, we are unable to assist in concerns he has with the product. For any issues with this product, Mr. [redacted] needs to contact Samsung at [redacted].
We have not received any payments on Mr. [redacted]'s account since June 15, 2015. Due to severe delinquency, his account was charged off on November 16, 2015. The current balance on Mr. [redacted]'s account is $1367.18 with a minimum payment of $479.93 due by December 15, 2015.
Although we understand Mr. [redacted]'s frustration regarding this matter, it does not deviate from the fact that he has received merchandise from Fingerhut charged to his WebBank/Fingerhut Advantage Credit Account and remains responsible for the corresponding debt. Per the Terms and Conditions that were agreed upon when the WebBank/Fingerhut Advantage Credit Account, "If you fail to fulfill the terms of the credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
At this time we have provided all information we have available on this matter. Fingerhut considers this matter closed.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
We have left a voice mail stating we need to schedule a technician to go out to add the STB. We have called 5 times and have not received a call back. The customer must return our call and we can deal with his issue directly. Case closed.
On 11/*/15, a technician was dispatched and restored the
service. Out of service credit was issued for 11/[redacted]/5 for all lines in the
amount of $17.98. On 11/*, a technician in Verizon’s Fiber Solutions Center
instructed the customer on how to set up her ultra-forward feature. On
11/**/15, Verizon advised the customer that credit for the data account was
applied in the amount of $535.46 (she was billed $753.45 but was given credit
for $99.99 on 10/6 and $100 on 6/*/15. It was also noted that on 10/**, a manager
gave a credit of $750 for the features not working for 6 months. The customer
wanted credit for her entire service for 6 months. The customer was advised
that credit could not be issued. All remaining charges are sustained.12/*/15 Verizon has not closed this complaint. Investigation
continues with respect to the customer’s request for additional out of service credit.
A customer service representative spoke to the customer regarding their concern. The customer advised that this issue was resolved months ago and she was not sure why we were calling her.
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 been claiming early termination fee for the service that has NOT been provided. There has been service calls which has not been resolved by Verizon, and since there is no service provided by them, we have a right to cancel, and don't need to pay any fee if they have not been providing the service written in the contract.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Dear Ms. [redacted], Please see full response attached. Sincerely, Vi [redacted]Executive Care TeamVF/ah
Upon receipt of the complaint, the issue was referred to the appropriate department to review and investigate. Our representative spoke with the customer's daughter who verified the account. The representative resolved the on-line issue with the customer's daughter.
Verizon's response remains. Verizon's records show the account had a balance of $166.45 and it was sold to Orion. The customer would need to contact Orion (the account purchaser) at phone number ###-###-#### regarding this matter. Verizon no longer has rights to the account. Verizon has not credit reported the customer. Several attempts were made to contact the customer via phone at the number provided by the customer. Verizon has not been successful in reaching the customer to discuss this matter further. The information has been provided to [redacted] via mail On 3/**/16, Verizon's representative made another attempt to contact the customer via phone at the number provided by the customer. A recording is currently on the line advising that the number is no longer in service. The number for Verizon's Escalation Team was provided to the customer via mail.
We do agree with the customer and advised him that we can't stop the billing but we will follow up on the first bill and credit the first installment of $23.33 and then stop the 2nd & 3rd installment billings. Case closed.
Upon receipt of this complaint we made attempts to reach [redacted]; leaving messages. Our Calls have not been returned but we have confirmed that [redacted] spoke with someone in customer service and they have given a $10 recurring adjustment for 12 months to make the price $29.99. ...
If [redacted] has any additional concerns/questions he can contact us directly * ###-###-####
The verification processed and account updated to reflectchanges customer requested. We also added a $10 monthly credit to the account for 12months.
Dear Mediator, Upon receipt of this complaint, Verizon referred this matter to our Customer Service department. According to our records, John Intonato expressed concerns about the quote of charges related to his Verizon billing. Upon review, Verizon communicated with [redacted] and he expressed his dissatisfaction with our customer service experience. [redacted]’s monthly pricing was quoted at $194.94 but his February bill came in the amount of $467.04. [redacted] spoke with a representative who detailed the bill and explained the charges. Verizon advised the previous January bill did not have all the charges associated and when the February bill came, it added the charges from the previous month’s bill. [redacted] advised he was not informed of this and was not happy about the inconvenience. Because of the issues [redacted] has faced, Verizon applied a one-time good will credit of the highest amount totaling $60.06 to be applied no later than the March 2017 billing statement. Furthermore, I have left my number with [redacted] should he have any additional questions or concerns.
I spoke with customer on [redacted] and apologized for the complications with his orders. I offered to have a new order for service placed. Unfortunately, at this time the customer did not agree to place a new order.
Good afternoon, I spoke with the claimant on 12/2 at around 2pm. We spoke at length of his complaint and I explained that we would not give him 100/100 speed for the price of 50/50. I advised that I spoke with the tech and he was simply stating that everyone is now getting 100/100, as in this is the...
speed the majority of our customers are ordering. He did not state that it would be for the same price, nor will the claimant state that the tech mentioned it was for the same price. This misunderstanding is what led to the complaint. Claimant did eventually agree to have his speed lowered to 50/50 in order to receive that pricing. He also requested information on if he would be refunded the cost of the Verizon router he purchased. I stated I was unsure but could have my contacts find out. The claimant called back about 20 mins after our conversation and advised me that he did not want any changes on his account and that he was not satisfied with the resolution. He would only be satisfied if I were to grant him the 100/100 speed for the price of 50/50, I stated that would not be done. He will continue to pursue the complaint until he is granted a resolution he is satisfied with. He also did not want me to find out about the refund for the router, stated he would find out himself. No changes have been made to the account per his request. Additionally, our position is final in regards to granting 100/100 speed for the price of 50/50.
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 was NEVER informed by Verizon that I would not be entitled to additional reward points. In fact, they stated that they would be returning my call and NEVER did. In addition to asking for additional reward points due to the inconvenience and delay and numerous back and forth communications because of Verizon; I originally was asking to be compensated via reward points for the actual money I had to pay for movies because they did not originally give me my entitled reward points. I had to pay for numerous movies because they did not provide me with my reward points. I am extremely frustrated that I have to keep going back and forth with this company and have lost time from work and money as a result of their incompetence. I expect them to make good on this and reward me points for my monetary losses in addition to the inconveniences I am still experiencing.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
We have made multiple attempts to contact [redacted]; leaving messages. To date our calls have not been returned. If [redacted] would like to discuss this further he can call us directly
April 7, 2017 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Gettington credit account ending in [redacted]. We have included a statement of account activity and a copy of the Terms and Conditions. Mr. [redacted] states that he had an account with Gettington, paid the account in full and the account is still showing as derogatory on his credit report. Mr. [redacted]’s desired resolution is to have the account removed from his credit report. Our records indicate, on December 17, 2014, an application was processed over the internet using Mr. [redacted]’s personally identifiable information. On that same day, an order was placed online for a Huffy Spider-Man Lights & Sounds Trike, Fila Misses’ Shimmer Jacket, CHI Air Texture 1-1/2" Ceramic Curling Iron, RoseArt Magic Fun Dough Volcano Playset, MD Sports Tabletop Air Hockey Game, Fisher Price Dora the Explorer Backpack, Sesame Street Color ’n Play Giant Playhouse, and a Skyrocket SkyViper QuadCopter. The merchandise was shipped via UPS to the same address as on the application. We have received multiple payments on this account from a checking account ending in 1812 and a MasterCard debit card ending in 1598 both shown in the name of Nick [redacted]. The last payment, totaling $49.02, was received on September 30, 2015. As no further payments were received, the unpaid balance of $561.97 charged off on May 5, 2016 and the account was sold to Resurgent Capital Services on June 1, 2016. According to an account review completed on April 7, 2017 Experian and Trans Union are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero. Equifax is no longer reporting a trade line. 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 states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Mr. [redacted] has questions about what Resurgent Capital Services may be reporting, he may contact them directly at ###-###-####. ...⇄ Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
A billing representative spoke with the customer and advised that she had not been charged for any unreturned equipment. Our records do not show there is any equipment that needs to be returned.
After investigation, Verizon found that the disconnection of [redacted]'s service was not processed correctly. Verizon records show, as stated in the complaint [redacted] paid the final bill in full. Verizon has sent notification to the credit bureaus to have this account removed from his credit...
report. It can take up to 30 days for the credit bureaus to update their records. A Verizon representative spoke with [redacted] on 11/**/16 and provided him with the findings of the investigation. Email has been sent to [redacted] confirming the credit score reversal.