Initial Business Response /* (1000, 5, 2016/01/15) */
CONFIDENTIAL COMMUNICATION
January 15, 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 WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] purchased an Elephant Shower Curtain Set, two Mesh Pockets PEVA Shower Curtains, two Illusions Bath 4pc Accessory Sets, and a Miramar Shower Curtain on August 4, 2015. The elephant shower curtain was credited $29.98, each PEVA Shower Curtain was credited $29.98, and the accessory sets were credited $23.98 and $25.98 on September 24, 2015 as Ms. [redacted] refused the delivery on these items.
Ms. [redacted] had also refused the delivery for the Miramar Shower Curtain; however this item was overlooked and not credited to her account until December 2, 2015. The full merchandise of $39.99 and shipping and handling of $16.99 was credited on that date. We apologize for the delay in credit.
Per the Terms and Conditions Ms. [redacted] agreed to when she opened her Fingerhut Account, under the "Reporting and Monitoring" section 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."
Our records indicate we are reporting her account correctly to the credit bureaus and no update of our credit report will be granted. Please understand that if we were to delete negative history, we would be knowingly reporting inaccurate information to the credit reporting agencies, which is a violation of the Fair Credit Reporting Act.
At any time, Ms. [redacted] may review the terms and conditions provided in the welcome packet we sent upon approval for a full and detailed explanation of the account and it's functioning. The information can also be found by going to www.Fingerhut.com and clicking "terms and conditions" at the bottom of the home page.
Before Ms. [redacted] placed her order on August 4, 2015 she had a balance from previous orders. Her balance at the time of purchase was $36.17. She is still responsible for the payments on this account.
We have not received a payment on Ms. [redacted]'s account since August 4, 2015. At this time her current balance is $36.30 with a minimum payment of $36.30 due by February 3, 2016.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2016/01/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I forgot to include two more attachments proving my account was not credited correctly.
Final Business Response /* (4000, 9, 2016/01/27) */
CONFIDENTIAL COMMUNICATION
January 25, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As we stated previously, the elephant shower curtain was credited in the amount of $29.98, each PEVA Shower Curtain was credited in the amount $29.98, and the accessory sets were credited in the amounts of $23.98 and $25.98. All of these credits were applied to Ms. [redacted]'s account on September 24, 2015 as she refused the delivery on these items.
Ms. [redacted] also refused the delivery of the Miramar Shower Curtain; however this item was overlooked and not credited to her account until December 2, 2015. The full merchandise cost of $39.99 plus the shipping and handling cost of $16.99 was credited on that date. We apologize for the delay in credit.
Before Ms. [redacted] placed her order on August 4, 2015 she had a balance from previous orders. The payment Ms. [redacted] made on August 4, 2015 in the amount $43.16 covered her balance from previous orders.
On October 3, 2015, Ms. [redacted] was charged a $32.98 late fee. October 7, 2015, an interest charge of $3.32 was applied to her account. At the time these two charges were applied to Ms. [redacted]'s account, the Miramar Shower Curtain return credit had not yet been applied to the account.
On January 21, 2016, we have waived the remaining account balance of $36.30. Her account balance at this time is $0.00.
Additionally, we have updated the information on her account to the credit reporting agencies. We advise to allow up to 60 days for the update to process.
We apologize for any confusion this may have caused. Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Final Consumer Response /* (2000, 10, 2016/01/28) */
Verizon Appeals representative spoke with [redacted] and issued ticket [redacted] to have a technician dispatched 10/*/15 with the customers equipment. The ticket was referred to Verizon Dispatch to make sure it is covered 10/*/15. I have a follow up to verify [redacted] has received the...
equipment and service is working. Verizon apologizes for the inconvenience.Joyce D[redacted]Verizon Executive Relations Sr. Analyst
CONFIDENTIAL COMMUNICATION May 20, 2016 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 a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements. Ms. [redacted] states in her complaint that, even though she made a settlement payment of $756.00 on April 8, 2016 which was the full amount of what the collection agency offered her, she is still receiving collection calls. Ms. [redacted] further states that this account is negatively affecting her credit score and causing stress. Ms. [redacted]’s desired resolution is to remove the account from her credit report. Ms. [redacted] further stated that the collection agency be contacted so they can close her account. The WebBank/Fingerhut credit account ending in 7802 was opened on September 12, 2014 when an application for credit was processed online. The first order was placed on September 27, 2014 for a Magnavox 24" 720p LED TV. The merchandise was shipped by UPS Ground to the address provided on the application. Two payments were received on this account. The last payment of $23.99 was received online November 27, 2014 with a checking account ending in 1187. The unpaid balance of $1,163.10 charged off on June 29, 2015 and the account was sold to Jefferson Capital on August 4, 2015. An account review on May 20, 2016 confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero. 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 Ms. [redacted]’ 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. As a courtesy, Ms. [redacted] concerns have been forwarded to Jefferson Capital Systems. Jefferson Capital can be reached directly at ###-###-####. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures [redacted]
According to our records, the customer contacted Verizon on their installation date to cancel the order. The service was disconnected. The customer was billed for set-up fee in error. A credit in the amount of $90 was issued on 5/**/17 for the set up charge. A specialist...
contacted the customer to explain the above information and apologize for the inconvenience.
We were unable to reach the customer by telephone to discuss their concerns. A billing specialist reviewed the account and the notes indicate that the service was never used. A credit was issued in the amount of $103.49 to bring the account to a zero balance. The account has not...
been credit reported. We suggest the customer contact us at their earliest convenience if they would like to discuss further. We apologize for any inconvenience that this matter may have caused the customer.
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.Not all of the information is correct. I do agree that the tried to contact me. I did respond to their contacts but I now see that I failed to provide them with the proper information. I will act properly on this matter immediately.
Records indicate the customer received credit on February **, 2017 of $10.99 for adult movie purchase. The credit will reflect on the customer's March 2017 bill statement.
Company records show that the customer was sent an order confirmation on 11/**/16 that advised the following: Important Information About Your Service By placing your FiOS Double Play order, you agreed to maintain your bundled services for a minimum of 24 months from the effective date of when your...
services are installed and that a prorated early termination fee of up to $230 will apply if you cancel your bundled services early. The prorated early termination fee of $230 will be reduced by $10 for each full month toward your minimum term that you complete. There are other terms and conditions that are a necessary part of your agreement which you should review. Those terms are available at verizon.com/terms and are also provided on or before the installation of your FiOS services. If you are a new customer and you don't agree to those additional terms, you can cancel your order before your services are installed without an early termination fee or within the first 30 days of service. On 9/**/17, Verizon spoke with the customer and apologized for any frustration caused, but the company reiterated that the early termination fee was a valid charge. Based on this information no credit is warranted.
Subsequent to receipt of the complaint, I contacted [redacted] to discuss his concern and advised I would forward the matter to our billing department for further review and response. On May *, 2017, a Verizon billing consultant spoke to [redacted] and apologized to him for any frustration caused...
by the billing. The consultant advised the customer that he issued a credit of $1,517.36 to the account for service charges billed on the February *, 2016 through August *, 2016 bills. Previous adjustments issued to the account covered $46.*8 of the charges. The consultant explained there is still a balance of $123.15 on the account for two (2) unreturned cable cards. Less the balance on the account once the adjustment posts, there will be a remaining credit balance of $1,3*4.21. The consultant advised the credit balance gets returned as a refund check. Per the consultant, [redacted] understood and had no further questions or concerns. Subsequent to receipt of the complaint, I also contacted our Financial Services Department and per my request they placed this account in dispute and recalled from outside collection agency as of May *, 2017.
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 PayCheck Direct Account. Ms. [redacted] states she purchased a washer and dryer from Paycheck Direct. She received the dryer but has not received the wash machine. She states she received an e-mail stating the wash machine she purchased was on a recall list. She states Paycheck Direct is taking biweekly payments of $98.16 even though she has not received the wash machine. Ms. [redacted]’s desired resolution would be to have a rebate applied toward the purchase of a new wash machine along with free installation. Our records indicate Ms. [redacted] purchased a Samsung 5 Cu. Ft. Top Load Washer with Active Wash - White with a 1 Year Service plan and a Samsung 7600 Series 7.4 Cu. Ft. Electric Dryer – White on September 18, 2016. Ms. [redacted] contacted Paycheck Direct on October 4, 2016 stating she had not received the wash machine. At this time she was told the label was created and the expected delivery date was October 11, 2016. Ms. [redacted] contacted Paycheck Direct again on October 11, 2016. At this time she was advised the wash machine she purchased was on backorder. Ms. [redacted] states the wash machine was on a recall list from Samsung. We were unable to locate this list and confirm this information. The order has been cancelled, per the vendor, due to the item being out of stock. Ms. [redacted] will see a refund in the checking account ending in [redacted] in 3-5 business days. On November 21, 2016 we attempted to contact Ms. [redacted] as she stated she would like to return the dryer if she could not receive the wash machine. If Ms. [redacted] would like to return this item she may contact the Executive Care Team at ###-###-#### or visit www.paycheckdirect.com for return instructions. We apologize for any inconvenience this may have caused. Sincerely, Vi [redacted] Executive Care Team VF/ks
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 copies of the bills received from Verizon do not have an adjustment to the FCC fee even though the international calls were removed since at there is another international carrier being used for the international calls. The modem has been returned and these charges have not been removed from the bill. They allude to an email received with changes/ ? Additions to services. Who is the email from? We never communicated with Verizon by email so it would be interesting to see a copy of the email they refer to.Verizon couldn't even get the name of the customer (me) right on the account. There was items added to the account without our permission or consent as indicated on the initial complaint. I don't see a response to that.They should provide a detailed copy of the remaining charges along with dates and explanations for these charges. That will highlight what was added, removed or never adjusted properly. Thank you!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Verizon records show that [redacted]'s account has a $0 balance. Records show that 4 payments were stopped on 5/**/15. Our attempts to contact [redacted] to resolve her complaint have been unsuccessful. If there are any other issues remaining with her account, we would need to speak with her in...
due to I have made several attempts to speak with a manger and was declined.Before I filed I contacted the business and a rep placed a ticket as well requested that a manager to contact me within 24-48 hrs.until this date and time there has been no response back. The rep inform me that they was sorry and I never should have gotten the noticed.Like I stated when they placed me on the list,it had stopped,this was an human and human only who done this. It is sometimes very frustrated when you get a language challenging rep who you can not understand and they can not understand you,and when you know that managers should come to the phone but declines.If it is possible I would like to have a contact person name as well as phone number incase the issue should arise again.That way I want have to tie up the Revdex.com and the issue could be resolved. Fingerhut use to be really good.My mother raised us up on Fingerhut.When you is doing business with a company the company should not be about your money,but should be willing to reach out to the customer when there is issues.
I am rejecting this response because:[redacted]Corresponding documents attached. I have attached the 06-15-2015 Statement that Fingerhut sent me a copy of but not you. [redacted]Please take notice of previous balance; which already included the $553.98 in the balance for the mens wedding band that they sent me two sizes too small = $1,563.04. In middle right of page you will see they charged me again for the ring then deducted it. The new balance was, even after my payment $1,524.12. Which we both know is only $38.92 less than beginning balance. It just looks tricky to me the way the statement is set up. I have also attached a letter for Fingerhut disputing them. That gives an overview of what I've been dealing with and documented calls to them. I also saved all emails. My Fingerhut Account number is on letter. Here is my www.fingerhut.com information to login to my account. I give permission to the entire Revdex.com to have the account looked at and reviewed. User Name: [redacted] , Password: [redacted]#1 They even admitted there were some "glitches" in my account - that's how they said it to me. Im going to forward more emails with other problems I found with the account. I never received merchandise and was charged or returned merchandise and Fingerhut is denying it. Some of the merchandise was canceled either over the phone while ordering or ordering online. But they still charged me for merchandise anyway. Thank you again so much for your help, [redacted]
ake the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review..
I am rejecting this response because:
It's untrue!This line from the response is 100% untrue:"The item Ms. [redacted] was attempting to purchase was an item from our sister company Old Pueblo Traders. This discount was not valid for her online order."Every single item in...
my shopping bag -- there were five -- was selected from the Blair website! I clicked on the link in the email and shopped from the Blair website!I'm sorry, but that was a ridiculous response. Mr. [redacted] did not do a proper investigative like he should have. If I were his boss, I'd have a few words with him for failing to do his job!Once again, the website was not working properly -- and because it wasn't working properly, I called Blair's customer service and ordered one of the FIVE items in my bag -- but only because I was afraid it would sell out (which it did after I made my purchase). I refused to order the other items by phone because I wanted Blair to fix the technical problem with its website ON THAT DAY - ON CYBER MONDAY.Now, a few days ago I was able to make a purchase on the Blair website, and it was working properly. But it was not working properly on Cyber Monday.But my point -- which Mr. [redacted] completely ignored -- is that Blair's website had a technical problem on Cyber Monday, and no one at the company was willing to investigate my complaint and fix the website ON Cyber Monday. And, nothing has changed. The company is still unwilling to accept responsibility for the technical glitch that occurred on Cyber Monday.What do I want from this Revdex.com complaint? The name and contact information for a TECHNICAL person -- someone responsible for the operation of the company's website -- I can contact if there's another occasion when the website isn't working. Because calling Customer Service at Blair -- as Mr. [redacted] recommended in his response -- does not work -- just like Blair's website did not work on Cyber Monday!Sincerely,[redacted]Arlington, Virginia 22203###-###-####
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. We have completed an in-depth review of Ms. [redacted]’s concerns regarding the tablet she returned to us and her disappointment in not receiving credit for the returned merchandise. Our records indicate Ms. [redacted] placed an order on November 30, 2015 for a Fujifilm 8GB Micro SD HC Memory Card, a Digital2 10.1” HD 32GB Windows 8.1 Tablet with Detachable Keyboard and a 2 yr. Extended Service Plan which totaled $284.97. The Tablet shipped on December 2, 2015 and was delivered on December 8, 2015 to the shipping address we have on file for Ms. [redacted]. On January 5, 2016 Ms. [redacted] spoke with an agent and inquired as to if the return had been received of the Tablet. The agent advised Ms. [redacted] that the return had not yet been received and to allow more time. On January 12, 2016 Ms. [redacted] spoke with an agent and was advised we still had not received the return of the tablet. The same day, Mr. [redacted] spoke to another agent and requested a postage paid label to be sent to return the tablet. Our return policy is listed on our website and in our catalogs and is as follows: We will exchange your product or give you a refund for most items returned in new condition within 30 days after date of purchase. Returns will not be accepted for credit after 90 days. If you have any problems with a product, please check the manufacturer’s warranty. Fingerhut provides a convenient prepaid return label service for most products. You can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer Service. Pre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accounts. Contact Customer Service for help with your return. There is no upfront fee when using the return label. There is no fee for using the return label if you received a damaged of defective product or in the case of a shipping error. The final determination of product condition is subject to our inspection. Return fees not covered by Fingerhut will be deducted from your credit based on the weight of the package. The original shipping and handling is nonrefundable if your item is not damaged or defective or in the case of a shipping error. Ms. [redacted] also indicates that when she returned the package using our return label that accompanied the tablet the item was returned to her due to an incorrect address. We sincerely apologize for any inconvenience this may have caused and will continue to research this concern. When Ms. [redacted] requested the postage paid return label from us on January 12, 2016, the label was sent immediately and usually arrives in 7-10 business days. Per the tracking information, the date of the first scan for the returned tablet was on March 18, 2016. This date was well over two months from the date we sent the return label to Ms. [redacted]. Due to the length of time that passed from the time we sent the return label until we received the return, no credit was issued and the tablet was returned to Ms. [redacted]. We also sent a letter to Ms. [redacted] on March 23, 2016 advising her if she returned the tablet again we would not issue credit and she would still be responsible for the remaining balance on the tablet. On March 28, 2016 we returned the tablet to Ms. [redacted]. On May 31, 2016 Ms. [redacted] spoke with an agent and the agent advised the item was returned to her and advised Ms. [redacted] she could return the item when she received it. The agent also advised there is no assurance that we could issue credit but that she would check to see if an exception could be granted due to extenuating circumstances surrounding the return of the tablet. However, because the item was already returned to Ms. [redacted] and based on the letter we sent to her when the return was received a second time the item was automatically disposed of and no credit was issued. Since Ms. [redacted] was advised to return the item a second time, we have issued credit as a courtesy for the tablet in the amount of $199.99. The ESP was already credited on May 6, 2016 in the amount of $74.99. Please understand the credit may take up to 2 billing cycles to be reflected on Ms. [redacted]’s monthly billing statement. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Please be advised credit was issued prior to receipt of the complaint for the October bill. On November *, 2016 we issued a credit so the November statement will be correct as well a re-curing credits to honor the rate quoted until the end of the term agreement 7/**/17. We trust this...
provides your office with the information required in this matter. Thank you, Ms. M[redacted] Sr. Analyst Verizon Executive Relations
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:This Statement your quote is correct however, the request to Carlita of the cancellation dept was to move existing setup to the new location, she processed the order incorrectly. Please refer to the call recording to review and extend courtesy....(now part of your preferred HD package according to Joe on your chat supervisors). We had to spend over 8 hours on the phone with your customer service and tech support back and forth (again please refer to your call logs). Carlita also ordered the wrong boxes and asking me to return the HD Boxes, however the Tech that came to install 4 hours late and explained that the services and channels required the HD boxes. Also to the total cost of the package according to Carlita was 79.99 this also needs to be corrected.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
I am rejecting this response because:All they did was explain their policy. I refuse to pay I am a senior citizen and live on a fixed income, paying over 100 dollars is just wrong. If they are going to do. That put it in writing so that it can be read. I have diabetes and with glasses, still cannot read it. So offer rejected, not willing to pay and will contact dept of consumer protection if I have to. These people prey on people such as myself. Or better yet I will go to the media. Thank you for your help, but they did nothing to fix the issue.And, will be happy to send a donation to the Revdex.com. [redacted].
Initial Business Response /* (1000, 5, 2016/01/15) */
CONFIDENTIAL COMMUNICATION
January 15, 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 WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] purchased an Elephant Shower Curtain Set, two Mesh Pockets PEVA Shower Curtains, two Illusions Bath 4pc Accessory Sets, and a Miramar Shower Curtain on August 4, 2015. The elephant shower curtain was credited $29.98, each PEVA Shower Curtain was credited $29.98, and the accessory sets were credited $23.98 and $25.98 on September 24, 2015 as Ms. [redacted] refused the delivery on these items.
Ms. [redacted] had also refused the delivery for the Miramar Shower Curtain; however this item was overlooked and not credited to her account until December 2, 2015. The full merchandise of $39.99 and shipping and handling of $16.99 was credited on that date. We apologize for the delay in credit.
Per the Terms and Conditions Ms. [redacted] agreed to when she opened her Fingerhut Account, under the "Reporting and Monitoring" section 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."
Our records indicate we are reporting her account correctly to the credit bureaus and no update of our credit report will be granted. Please understand that if we were to delete negative history, we would be knowingly reporting inaccurate information to the credit reporting agencies, which is a violation of the Fair Credit Reporting Act.
At any time, Ms. [redacted] may review the terms and conditions provided in the welcome packet we sent upon approval for a full and detailed explanation of the account and it's functioning. The information can also be found by going to www.Fingerhut.com and clicking "terms and conditions" at the bottom of the home page.
Before Ms. [redacted] placed her order on August 4, 2015 she had a balance from previous orders. Her balance at the time of purchase was $36.17. She is still responsible for the payments on this account.
We have not received a payment on Ms. [redacted]'s account since August 4, 2015. At this time her current balance is $36.30 with a minimum payment of $36.30 due by February 3, 2016.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Initial Consumer Rebuttal /* (3000, 7, 2016/01/15) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I forgot to include two more attachments proving my account was not credited correctly.
Final Business Response /* (4000, 9, 2016/01/27) */
CONFIDENTIAL COMMUNICATION
January 25, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
As we stated previously, the elephant shower curtain was credited in the amount of $29.98, each PEVA Shower Curtain was credited in the amount $29.98, and the accessory sets were credited in the amounts of $23.98 and $25.98. All of these credits were applied to Ms. [redacted]'s account on September 24, 2015 as she refused the delivery on these items.
Ms. [redacted] also refused the delivery of the Miramar Shower Curtain; however this item was overlooked and not credited to her account until December 2, 2015. The full merchandise cost of $39.99 plus the shipping and handling cost of $16.99 was credited on that date. We apologize for the delay in credit.
Before Ms. [redacted] placed her order on August 4, 2015 she had a balance from previous orders. The payment Ms. [redacted] made on August 4, 2015 in the amount $43.16 covered her balance from previous orders.
On October 3, 2015, Ms. [redacted] was charged a $32.98 late fee. October 7, 2015, an interest charge of $3.32 was applied to her account. At the time these two charges were applied to Ms. [redacted]'s account, the Miramar Shower Curtain return credit had not yet been applied to the account.
On January 21, 2016, we have waived the remaining account balance of $36.30. Her account balance at this time is $0.00.
Additionally, we have updated the information on her account to the credit reporting agencies. We advise to allow up to 60 days for the update to process.
We apologize for any confusion this may have caused. Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Final Consumer Response /* (2000, 10, 2016/01/28) */
Verizon Appeals representative spoke with [redacted] and issued ticket [redacted] to have a technician dispatched 10/*/15 with the customers equipment. The ticket was referred to Verizon Dispatch to make sure it is covered 10/*/15. I have a follow up to verify [redacted] has received the...
equipment and service is working. Verizon apologizes for the inconvenience.Joyce D[redacted]Verizon Executive Relations Sr. Analyst
CONFIDENTIAL COMMUNICATION May 20, 2016 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 a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements. Ms. [redacted] states in her complaint that, even though she made a settlement payment of $756.00 on April 8, 2016 which was the full amount of what the collection agency offered her, she is still receiving collection calls. Ms. [redacted] further states that this account is negatively affecting her credit score and causing stress. Ms. [redacted]’s desired resolution is to remove the account from her credit report. Ms. [redacted] further stated that the collection agency be contacted so they can close her account. The WebBank/Fingerhut credit account ending in 7802 was opened on September 12, 2014 when an application for credit was processed online. The first order was placed on September 27, 2014 for a Magnavox 24" 720p LED TV. The merchandise was shipped by UPS Ground to the address provided on the application. Two payments were received on this account. The last payment of $23.99 was received online November 27, 2014 with a checking account ending in 1187. The unpaid balance of $1,163.10 charged off on June 29, 2015 and the account was sold to Jefferson Capital on August 4, 2015. An account review on May 20, 2016 confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero. 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 Ms. [redacted]’ 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. As a courtesy, Ms. [redacted] concerns have been forwarded to Jefferson Capital Systems. Jefferson Capital can be reached directly at ###-###-####. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures [redacted]
According to our records, the customer contacted Verizon on their installation date to cancel the order. The service was disconnected. The customer was billed for set-up fee in error. A credit in the amount of $90 was issued on 5/**/17 for the set up charge. A specialist...
contacted the customer to explain the above information and apologize for the inconvenience.
We were unable to reach the customer by telephone to discuss their concerns. A billing specialist reviewed the account and the notes indicate that the service was never used. A credit was issued in the amount of $103.49 to bring the account to a zero balance. The account has not...
been credit reported. We suggest the customer contact us at their earliest convenience if they would like to discuss further. We apologize for any inconvenience that this matter may have caused the customer.
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.Not all of the information is correct. I do agree that the tried to contact me. I did respond to their contacts but I now see that I failed to provide them with the proper information. I will act properly on this matter immediately.
Records indicate the customer received credit on February **, 2017 of $10.99 for adult movie purchase. The credit will reflect on the customer's March 2017 bill statement.
Company records show that the customer was sent an order confirmation on 11/**/16 that advised the following: Important Information About Your Service By placing your FiOS Double Play order, you agreed to maintain your bundled services for a minimum of 24 months from the effective date of when your...
services are installed and that a prorated early termination fee of up to $230 will apply if you cancel your bundled services early. The prorated early termination fee of $230 will be reduced by $10 for each full month toward your minimum term that you complete. There are other terms and conditions that are a necessary part of your agreement which you should review. Those terms are available at verizon.com/terms and are also provided on or before the installation of your FiOS services. If you are a new customer and you don't agree to those additional terms, you can cancel your order before your services are installed without an early termination fee or within the first 30 days of service. On 9/**/17, Verizon spoke with the customer and apologized for any frustration caused, but the company reiterated that the early termination fee was a valid charge. Based on this information no credit is warranted.
Subsequent to receipt of the complaint, I contacted [redacted] to discuss his concern and advised I would forward the matter to our billing department for further review and response. On May *, 2017, a Verizon billing consultant spoke to [redacted] and apologized to him for any frustration caused...
by the billing. The consultant advised the customer that he issued a credit of $1,517.36 to the account for service charges billed on the February *, 2016 through August *, 2016 bills. Previous adjustments issued to the account covered $46.*8 of the charges. The consultant explained there is still a balance of $123.15 on the account for two (2) unreturned cable cards. Less the balance on the account once the adjustment posts, there will be a remaining credit balance of $1,3*4.21. The consultant advised the credit balance gets returned as a refund check. Per the consultant, [redacted] understood and had no further questions or concerns. Subsequent to receipt of the complaint, I also contacted our Financial Services Department and per my request they placed this account in dispute and recalled from outside collection agency as of May *, 2017.
CONFIDENTIAL COMMUNICATION November 22,...
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 PayCheck Direct Account. Ms. [redacted] states she purchased a washer and dryer from Paycheck Direct. She received the dryer but has not received the wash machine. She states she received an e-mail stating the wash machine she purchased was on a recall list. She states Paycheck Direct is taking biweekly payments of $98.16 even though she has not received the wash machine. Ms. [redacted]’s desired resolution would be to have a rebate applied toward the purchase of a new wash machine along with free installation. Our records indicate Ms. [redacted] purchased a Samsung 5 Cu. Ft. Top Load Washer with Active Wash - White with a 1 Year Service plan and a Samsung 7600 Series 7.4 Cu. Ft. Electric Dryer – White on September 18, 2016. Ms. [redacted] contacted Paycheck Direct on October 4, 2016 stating she had not received the wash machine. At this time she was told the label was created and the expected delivery date was October 11, 2016. Ms. [redacted] contacted Paycheck Direct again on October 11, 2016. At this time she was advised the wash machine she purchased was on backorder. Ms. [redacted] states the wash machine was on a recall list from Samsung. We were unable to locate this list and confirm this information. The order has been cancelled, per the vendor, due to the item being out of stock. Ms. [redacted] will see a refund in the checking account ending in [redacted] in 3-5 business days. On November 21, 2016 we attempted to contact Ms. [redacted] as she stated she would like to return the dryer if she could not receive the wash machine. If Ms. [redacted] would like to return this item she may contact the Executive Care Team at ###-###-#### or visit www.paycheckdirect.com for return instructions. We apologize for any inconvenience this may have caused. Sincerely, Vi [redacted] Executive Care Team VF/ks
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 copies of the bills received from Verizon do not have an adjustment to the FCC fee even though the international calls were removed since at there is another international carrier being used for the international calls. The modem has been returned and these charges have not been removed from the bill. They allude to an email received with changes/ ? Additions to services. Who is the email from? We never communicated with Verizon by email so it would be interesting to see a copy of the email they refer to.Verizon couldn't even get the name of the customer (me) right on the account. There was items added to the account without our permission or consent as indicated on the initial complaint. I don't see a response to that.They should provide a detailed copy of the remaining charges along with dates and explanations for these charges. That will highlight what was added, removed or never adjusted properly. Thank you!
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Verizon records show that [redacted]'s account has a $0 balance. Records show that 4 payments were stopped on 5/**/15. Our attempts to contact [redacted] to resolve her complaint have been unsuccessful. If there are any other issues remaining with her account, we would need to speak with her in...
order to get them resolved.
I am rejecting this response because:I reject...
due to I have made several attempts to speak with a manger and was declined.Before I filed I contacted the business and a rep placed a ticket as well requested that a manager to contact me within 24-48 hrs.until this date and time there has been no response back. The rep inform me that they was sorry and I never should have gotten the noticed.Like I stated when they placed me on the list,it had stopped,this was an human and human only who done this. It is sometimes very frustrated when you get a language challenging rep who you can not understand and they can not understand you,and when you know that managers should come to the phone but declines.If it is possible I would like to have a contact person name as well as phone number incase the issue should arise again.That way I want have to tie up the Revdex.com and the issue could be resolved. Fingerhut use to be really good.My mother raised us up on Fingerhut.When you is doing business with a company the company should not be about your money,but should be willing to reach out to the customer when there is issues.
I am rejecting this response because:[redacted]Corresponding documents attached. I have attached the 06-15-2015 Statement that Fingerhut sent me a copy of but not you. [redacted]Please take notice of previous balance; which already included the $553.98 in the balance for the mens wedding band that they sent me two sizes too small = $1,563.04. In middle right of page you will see they charged me again for the ring then deducted it. The new balance was, even after my payment $1,524.12. Which we both know is only $38.92 less than beginning balance. It just looks tricky to me the way the statement is set up. I have also attached a letter for Fingerhut disputing them. That gives an overview of what I've been dealing with and documented calls to them. I also saved all emails. My Fingerhut Account number is on letter. Here is my www.fingerhut.com information to login to my account. I give permission to the entire Revdex.com to have the account looked at and reviewed. User Name: [redacted] , Password: [redacted]#1 They even admitted there were some "glitches" in my account - that's how they said it to me. Im going to forward more emails with other problems I found with the account. I never received merchandise and was charged or returned merchandise and Fingerhut is denying it. Some of the merchandise was canceled either over the phone while ordering or ordering online. But they still charged me for merchandise anyway. Thank you again so much for your help, [redacted]
ake the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review..
I am rejecting this response because:
It's untrue!This line from the response is 100% untrue:"The item Ms. [redacted] was attempting to purchase was an item from our sister company Old Pueblo Traders. This discount was not valid for her online order."Every single item in...
my shopping bag -- there were five -- was selected from the Blair website! I clicked on the link in the email and shopped from the Blair website!I'm sorry, but that was a ridiculous response. Mr. [redacted] did not do a proper investigative like he should have. If I were his boss, I'd have a few words with him for failing to do his job!Once again, the website was not working properly -- and because it wasn't working properly, I called Blair's customer service and ordered one of the FIVE items in my bag -- but only because I was afraid it would sell out (which it did after I made my purchase). I refused to order the other items by phone because I wanted Blair to fix the technical problem with its website ON THAT DAY - ON CYBER MONDAY.Now, a few days ago I was able to make a purchase on the Blair website, and it was working properly. But it was not working properly on Cyber Monday.But my point -- which Mr. [redacted] completely ignored -- is that Blair's website had a technical problem on Cyber Monday, and no one at the company was willing to investigate my complaint and fix the website ON Cyber Monday. And, nothing has changed. The company is still unwilling to accept responsibility for the technical glitch that occurred on Cyber Monday.What do I want from this Revdex.com complaint? The name and contact information for a TECHNICAL person -- someone responsible for the operation of the company's website -- I can contact if there's another occasion when the website isn't working. Because calling Customer Service at Blair -- as Mr. [redacted] recommended in his response -- does not work -- just like Blair's website did not work on Cyber Monday!Sincerely,[redacted]Arlington, Virginia 22203###-###-####
CONFIDENTIAL COMMUNICATION May 19, 2016...
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. We have completed an in-depth review of Ms. [redacted]’s concerns regarding the tablet she returned to us and her disappointment in not receiving credit for the returned merchandise. Our records indicate Ms. [redacted] placed an order on November 30, 2015 for a Fujifilm 8GB Micro SD HC Memory Card, a Digital2 10.1” HD 32GB Windows 8.1 Tablet with Detachable Keyboard and a 2 yr. Extended Service Plan which totaled $284.97. The Tablet shipped on December 2, 2015 and was delivered on December 8, 2015 to the shipping address we have on file for Ms. [redacted]. On January 5, 2016 Ms. [redacted] spoke with an agent and inquired as to if the return had been received of the Tablet. The agent advised Ms. [redacted] that the return had not yet been received and to allow more time. On January 12, 2016 Ms. [redacted] spoke with an agent and was advised we still had not received the return of the tablet. The same day, Mr. [redacted] spoke to another agent and requested a postage paid label to be sent to return the tablet. Our return policy is listed on our website and in our catalogs and is as follows: We will exchange your product or give you a refund for most items returned in new condition within 30 days after date of purchase. Returns will not be accepted for credit after 90 days. If you have any problems with a product, please check the manufacturer’s warranty. Fingerhut provides a convenient prepaid return label service for most products. You can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer Service. Pre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accounts. Contact Customer Service for help with your return. There is no upfront fee when using the return label. There is no fee for using the return label if you received a damaged of defective product or in the case of a shipping error. The final determination of product condition is subject to our inspection. Return fees not covered by Fingerhut will be deducted from your credit based on the weight of the package. The original shipping and handling is nonrefundable if your item is not damaged or defective or in the case of a shipping error. Ms. [redacted] also indicates that when she returned the package using our return label that accompanied the tablet the item was returned to her due to an incorrect address. We sincerely apologize for any inconvenience this may have caused and will continue to research this concern. When Ms. [redacted] requested the postage paid return label from us on January 12, 2016, the label was sent immediately and usually arrives in 7-10 business days. Per the tracking information, the date of the first scan for the returned tablet was on March 18, 2016. This date was well over two months from the date we sent the return label to Ms. [redacted]. Due to the length of time that passed from the time we sent the return label until we received the return, no credit was issued and the tablet was returned to Ms. [redacted]. We also sent a letter to Ms. [redacted] on March 23, 2016 advising her if she returned the tablet again we would not issue credit and she would still be responsible for the remaining balance on the tablet. On March 28, 2016 we returned the tablet to Ms. [redacted]. On May 31, 2016 Ms. [redacted] spoke with an agent and the agent advised the item was returned to her and advised Ms. [redacted] she could return the item when she received it. The agent also advised there is no assurance that we could issue credit but that she would check to see if an exception could be granted due to extenuating circumstances surrounding the return of the tablet. However, because the item was already returned to Ms. [redacted] and based on the letter we sent to her when the return was received a second time the item was automatically disposed of and no credit was issued. Since Ms. [redacted] was advised to return the item a second time, we have issued credit as a courtesy for the tablet in the amount of $199.99. The ESP was already credited on May 6, 2016 in the amount of $74.99. Please understand the credit may take up to 2 billing cycles to be reflected on Ms. [redacted]’s monthly billing statement. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Please be advised credit was issued prior to receipt of the complaint for the October bill. On November *, 2016 we issued a credit so the November statement will be correct as well a re-curing credits to honor the rate quoted until the end of the term agreement 7/**/17. We trust this...
provides your office with the information required in this matter. Thank you, Ms. M[redacted] Sr. Analyst Verizon Executive Relations
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:This Statement your quote is correct however, the request to Carlita of the cancellation dept was to move existing setup to the new location, she processed the order incorrectly. Please refer to the call recording to review and extend courtesy....(now part of your preferred HD package according to Joe on your chat supervisors). We had to spend over 8 hours on the phone with your customer service and tech support back and forth (again please refer to your call logs). Carlita also ordered the wrong boxes and asking me to return the HD Boxes, however the Tech that came to install 4 hours late and explained that the services and channels required the HD boxes. Also to the total cost of the package according to Carlita was 79.99 this also needs to be corrected.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
I am rejecting this response because:All they did was explain their policy. I refuse to pay I am a senior citizen and live on a fixed income, paying over 100 dollars is just wrong. If they are going to do. That put it in writing so that it can be read. I have diabetes and with glasses, still cannot read it. So offer rejected, not willing to pay and will contact dept of consumer protection if I have to. These people prey on people such as myself. Or better yet I will go to the media. Thank you for your help, but they did nothing to fix the issue.And, will be happy to send a donation to the Revdex.com. [redacted].