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 FreshStart Credit Account. Ms. [redacted] states she did not receive the refund check of $30.00 that she requested from Fingerhut when she canceled an order. She would like to have the money refunded to her account. Our records indicate Ms. [redacted] placed an order for an iLive Bluetooth CD Radio Home Stereo with Color-Changing Lights on August 11, 2016. On that same date, the order was cancelled. On August 12, 2016 Ms. [redacted] contacted Fingerhut requesting a refund for the $30.00 down payment she made on the account. On that same date, a refund was processed for Ms. [redacted]. She was informed to allow up to 5 business days for the refund of $30.00 to be returned to her credit card ending in [redacted]. If Ms. [redacted] has not received the refund at this time, she should contact Fingerhut Customer Service at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION November 14, 2016 Revdex.com of...
Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for [redacted]. Mr. [redacted] states that he and his mother each placed one order from Fingerhut, and that he’s been receiving calls about the account being past due. He also states that the monthly payment has doubled on both his purchase and his mothers. Mr. [redacted] also states that he has not been allowed to talk to someone about his mother’s account, even though he assists her with her bills. In regards to Mr. [redacted]’s account, our records indicate he placed an order on August 23, 2016, for a GPX 32” LED TV. A statement was printed on September 16, 2016 and sent to Mr. [redacted] indicating his minimum payment due was $23.99 and it was due on October 15, 2016. We did not receive a payment until October 31, 2016. The payment was for $23.99, but was received sixteen days after the due date. A second statement was printed on October 19, 2016, indicating the Mr. [redacted]’s minimum amount due was now $47.98 and due by November 15, 2016. This is because we did not receive the October payment by the due date. When the November statement was created, the minimum amount due included both October and November’s amount due. Mr. [redacted]’s account was assessed a late fee on October 15, 2016, in the amount of $23.99, because we didn’t receive his payment on time. Our records indicate his next payment is due November 15, 2016 in the amount of $23.99. Mr. [redacted] may make his payment on our website, www.fingerhut.com, or in our automated system at ###-###-####, which is available 24 hours a day, 7 days a week. If Mr. [redacted] chooses to make a payment with an agent, the number he may call is also ###-###-####, but a fee of $5.00 may be assessed. Mr. [redacted]’s next statement will print on November 19, 2016. In regards to his mother’s account, we are unable to assist Mr. [redacted] with the account unless he can send in proof of Power of Attorney, showing he’s been granted legal rights to manage the account on his mother’s behalf. We apologize if this is inconvenient for them, but take our customer’s privacy seriously. If Mr. [redacted] obtains Power of Attorney, he may fax the documentation to us at ###-###-####, Attention: Account Support, or he may mail it to us at: Customer Service [redacted] St. Cloud, MN 56303. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team
Please be advised we were able to restore the Extreme TV programming for [redacted] along with a $20 discount to be applied for 12 months to cover the cost. [redacted] is satisfied. We trust this provides your office with the information required in this matter. Thank you, Ms. M[redacted]...
Good afternoon, The channel in question, NFL Network, was included in the customers package as he had standalone HBO service, it should be noted that the charge for HBO was credited every month and still is. Customer began service with FiOS in November of 2014 and at the time it was included....
However, as of 8/**/15, NFL Network is no longer included with Standalone HBO service. Bundle agreements are valid only for the location were service was installed, when the customer moved a new bundle agreement was required and the previous video package was not grandfathered as the service location had changed. Additionally, per the FiOS TV Terms of Service: 3. SERVICE CHANGES. Subject to applicable law, we reserve the right to change, rearrange, add, delete or otherwise modify the Service at any time, with or without prior notice to you, including changing, rearranging or otherwise modifying our Programming packages, the selections available in those packages, the Equipment, any Other Devices, and any other features, products and services that we offer. Verizon or its suppliers may, without notice or liability, restrict the use of any Services or limit its time of availability in order to perform maintenance activities and to maintain security. Due to the findings of our investigation, we will not be adding NFL network to the customers account. Customer will have to upgrade video package in order to do so. That is our final position.
I am rejecting this response because: I appreciate Gettington update on progress. Unfortunately the police department does not issue paper format. If anything else is needed from me let me know. If not I hope to here either way.
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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate Mr. [redacted] purchased a HP 4GB Windows 8.1 Desktop Computer with a 1 Year Service Plan on May 30, 2014. On January 14, 2016 Mr. [redacted] contacted Fingerhut stating the computer was no longer working properly. At this time he was told he would need to contact NEW (National Extended Warranty) for concerns regarding the computer as we require returns to be made in accordance to our return policy, which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” Due to the length of time that has passed, Mr. [redacted] will need to contact NEW at ###-###-####. This plan began on June 1, 2015. His warranty contract number is FHI3[redacted]2. Each month we did not receive a payment from Mr. [redacted] resulted in a late fee. When Mr. [redacted] opened his Fingerhut Credit Account he agreed to the terms and conditions. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $26.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.” As a reminder to Mr. [redacted], his account with WebBank/Fingerhut is a revolving credit account. As such, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the next. The interest rate is calculated based on the account’s current Annual Percentage Rate of 25.15% and the monthly charges will vary in relation to increases or reductions in the account balance from month to month. According to an account review completed on April 13, 2016, Equifax, Experian and Trans Union are reporting accurately as Current/Pays as Agreed. 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 your 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. At this time Mr. [redacted]’s balance is $667.08. A minimum payment of $63.99 is due by May 2, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CSSC rep spoke to [redacted] today, and apologized that he has been having billing issues and that we still have not returned his deposit. She confirmed that the bill he got for 86.35 for ###-###-#### was adjusted in full and that he does not owe anything on it. I issued credit for the router that he...
returned for 52.99. The deposit is going to be put on the final bill so once that generates she will expedite the refund check. [redacted] is satisfied
Subsequent to the complaint, the local manager made contact with the customer to address her phone service and repeated service issues. The local manager explained Verizon's intent with resolving the issues. The local manager explained the possible causes for the service outages;...
explaining that all outages are not associated with inclement weather and are sometimes caused by commercial power loss. Verizon is in the process of ordering batteries, which should sustain the service during a commercial power loss. The local manager explained the entire process to the customer and provided his contact information to make contact for any future concerns.
...⇄ # [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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Mr. [redacted]’s inquiry he indicated the catalog he was ordering from offered a ShelterLogic 10’ x 20’ 6 Legged Canopy for $49.99. When he attempted to order the item, the agent advised him the item was $199.99 and that the price needed to be verified. Mr. [redacted] contacted us the next day and states he was advised it could take another 48 hours to verify the information. Mr. [redacted] states he closed his account and cancelled the order. Our records indicate Mr. [redacted] contacted us on June 22, 2016 regarding the pricing issue for the canopy. Mr [redacted] requested to speak with a supervisor and the agent transferred Mr. [redacted] to a supervisor per his request. The supervisor referred Mr. [redacted]’s concerns to our merchandising team for further research. Due to the difference in pricing the order was not placed. Mr. [redacted] contacted us on June 23, 2016 and again requested to speak with a supervisor. The agent transferred Mr. [redacted] to a supervisor. The supervisor advised Mr. [redacted] that we were still researching the price difference. Mr. [redacted] stated that 24 hours should be enough time for our research to be completed and requested his account to be closed. The supervisor closed the account per Mr [redacted]’s request. A supervisor also attempted to contact Mr. [redacted] two additional times on June 23, 2016 with updates regarding the pricing difference. The supervisor left a message each time for Mr. [redacted] advising him that the price in the catalog was an error and that we were waiting for further details on the issue and for Mr. [redacted] to contact us for further assistance. We have no record of Mr. [redacted] contacting us in response to these messages. In our catalogs, under the Customer Service Information located with the order form is a section titled “Errors” and is as follows: Although we make every effort to ensure accuracy of our information, occasional descriptive or typographical errors may occur. Per our merchandising team, we will honor the pricing difference from $199.99 to $49.99 as a courtesy, if Mr. [redacted] would still like to order the canopy. Since Mr. [redacted] closed his Fingerhut Advantage Credit Account he may use a MasterCard, Visa, American Express or Discover to place the order by contacting our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Please understand the full amount of $199.99 plus any applicable sales tax and/or shipping and handling will be charged initially, however, once the order starts processing, we will issue a credit for $150.00. Once the credit has been issued in our system, Mr. [redacted] should allow 3-5 business days for the credit to be reflected on his credit card. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
...⇄ # [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. Our records indicate Ms. [redacted] placed an order on our website on August 19, 2014 for the Beats by Dr. Dre Studio Wireless Headphones in Red totaling $483.98. Interest charges are billed monthly when Ms. [redacted]’s statement is printed per the terms and conditions of the account. Additionally, Ms. [redacted] enrolled in SafeLine Plus Account Protection at the time she applied for the account on our website on August 19, 2014. To enroll in SafeLine on our website is a two-step process which required Ms. [redacted] to select that she wanted to enroll her Fingerhut credit account in SafeLine Plus and once enrolled, Ms. [redacted] was required to agree to the terms and conditions of SafeLine Plus. SafeLine Plus is an optional program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are met. Ms. [redacted] would have also received the terms and conditions for SafeLine Plus within a few days of enrolling in the program. SafeLine Plus fees have appeared under the fees section of each monthly statement from September 13, 2014 through March 13, 2016. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time. Additionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within 60 days after the error appeared on your statement. You must notify us in of any potential errors in writing”. On April 15, 2016 Ms. [redacted]’s account was credited in the amount of $4.28 for the SafeLine Plus fees she was billed in the last 60 days. No further credits will be issued for SafeLine Plus. Our records also indicate Ms. [redacted] was charged late fees on November 9, 2014 and January 9, 2015 in the amount of $26.00 each due to her minimum payment being received after the due date on the account per the terms and conditions she agreed to at the time she opened the account. Ms. [redacted] also received late fees on February 9, 2016 and April 9, 2016 in the amount of $14.99 each. It is important to make the minimum payment on time by the due date each month to avoid late fees. As Ms. [redacted] remained obligated to make at least the minimum payment due, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies. Ms. [redacted] is responsible for the remaining balance on her account of $184.32. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Technicians advised customer restoration has been completed. We are unable to verify due to customer not home. Follow up repair to complete wiring. case closed.
Bureau:
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:
[Business is making a FALSE STATEMENT in their response. I am attaching a copy of a section of my credit report I obtained from [redacted] as part of my free annual disclosure which clearly shows that on 12/**/2014 Verizon performed a soft credit check and obtained my credit file. This was NOTt authorized as part of the FIOS service order process and is a violation of FCRA. ]
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
The case was sent to the business office for review.A specialist called [redacted] and reviewed her concerns. She explained that she is getting everything that she is supposed to be getting, HSI enhanced, Freedom Essentials and DTV. She did verify that her Auto pay is set up at this point and that...
we do see a $30.05 regional value credit for the next 12 months should appear on March statement. Went over paper free billing and that bills will be sent to her email address. Customer states she is happy as long as she is getting what she is paying for. Customer thinks it's very frustrating to speak with agents that do not speak English and are overseas. Was happy to speak to someone she could understand and that understands her.
Please be advised a technician was dispatched and completed the installation on November **, 2017. A credit was issued for the services from November 017, 2017 to November **, 2017 when all services were working. We spoke with [redacted] November **, 2017 and he confirmed...
everything is working. We trust this provides your office with the information required in this matter. Thank you, Verizon Executive Relations
CONFIDENTIAL COMMUNICATION May 4, 2016 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut credit account. We have included the account activity, statements from July 2015 through April 2016 and Terms and Conditions. Ms. [redacted] states she was late for two months in September and October 2015 and made a payment to bring the account current on November 1, 2015. Ms. [redacted] further states that upon reviewing the account in December 2015, realizing the account was past due, she made several attempts to contact Fingerhut from December through January. She was unable to make payments because customer service was unwilling or unable to assist with her making payments because of a credit block. Ms. [redacted] indicates Fingerhut cannot explain why her available credit is zero after making substantial payments to bring down the account balance. Ms. [redacted]’s desired resolution is to have the negative reporting from January and February 2016 removed and have the account closed to prevent further errors or provide her with available credit. Our records indicate that on March 31, 2014, an application for credit was processed online using Ms. [redacted]’s name, address and social security number. An order was placed on December 17, 2014 online for a Rocawear Men’s 3/4 Length ParkaOlive, Large. The merchandise was shipped to the same address as provided on the application. The latest order, totaling $480.86, was placed on July 1, 2015. We have received multiple payments on this account from a checking account ending in [redacted] and Visa debit in the name of [redacted]. The latest payment was received on April 15, 2016 totaling $70.00 from Visa debit card ending in 4401 shown in the name of [redacted]. Our research shows that no payments were made towards the account from June 29, 2015 through October 31, 2015. The credit limit was reduced to zero for non-payment on November 2, 2015 as the account had reached four billing cycles with no payment by October 28, 2015. Please note when the account credit limit is reduced to zero, the account closes to future credit purchases. Customers may order from Fingerhut using Visa, MasterCard, or Discover to pay for the order. Any outstanding balance will continue to accrue interest. The account may be assessed late fees and is subject to the original terms and conditions of the Agreement. Once the account has been paid in full, customers are encouraged to re-apply for credit. Our records indicate that Ms. [redacted]’s account was brought to a current status with a payment of $200.96 on November 1, 2015. No payments were received towards this account from November 2, 2015 through February 1, 2016. This resulted in a thirty day and a sixty day late status being reported to the credit bureaus. Our records also indicate, outside of mailed communications to Ms. [redacted], there weren’t any telephone, email or chat communication from October 10, 2015 through April 25, 2016. If Ms. [redacted] can provide more information on when and to whom she spoke with during this time, we will investigate the matter further. There were no holds placed on Ms. [redacted]’s account which would have prevented her from making a payment on her account. An account review completed on April 29, 2016 confirms the credit bureaus are accurately reporting the account as Pays as Agreed or Current. As of May 4, 2016, Ms. [redacted]’s WebBank/Fingerhut credit account balance is $993.82 with a minimum payment of $59.99 due by May 27, 2016. Per Ms. [redacted]’s written request, we have closed her account effective May 4, 2016. 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]’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. If Ms. [redacted] still has questions regarding what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Time. Thank you for the opportunity to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
CAN SEE ON PRINTOUT OF MY HISTORY WITH GETTINGTON 11/27/2017 PAID ON TIME(BUT THEY CHARGED 38.00 LATE FEE ON THE 28TH) 9/27/2017 PAID ON TIME(BUT ON 09/28 THEY CHARGED 38.00 LATE FEE AGAIN) 5/27/17 PAID ON TIME(AGAIN THEY CHARGED LATE FEE ON THE 28TH FOR 38.00 ) 3/27/2017 ALSO PAID ON TIME (AGAIN THEY CHARGED 38.00 LATE FEE ON THE 28TH ) THIS PRINT OUT IS FROM MY GETTINGTON ON LINE STATEMENT FROM THEIR WEBSITE IT IS NOT MY FAULT THEY DO NOT PROCESS THE PAYMENTS UNTIL 2 OR 3 DAYS LATER IN ORDER FOR THEM TO COLLECT LATE FEES. THIS IS ILLEGAL. MY FINAL PAYMENT IS DUE TOMORROW 12/27/2017 IN AMOUNT OF 82.11 BUT IN REALITY THEY OWE ME MONEY $152.00.
CONFIDENTIAL COMMUNICATION August 25,...
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 FreshStart Credit Account. Ms. [redacted] states she did not receive the refund check of $30.00 that she requested from Fingerhut when she canceled an order. She would like to have the money refunded to her account. Our records indicate Ms. [redacted] placed an order for an iLive Bluetooth CD Radio Home Stereo with Color-Changing Lights on August 11, 2016. On that same date, the order was cancelled. On August 12, 2016 Ms. [redacted] contacted Fingerhut requesting a refund for the $30.00 down payment she made on the account. On that same date, a refund was processed for Ms. [redacted]. She was informed to allow up to 5 business days for the refund of $30.00 to be returned to her credit card ending in [redacted]. If Ms. [redacted] has not received the refund at this time, she should contact Fingerhut Customer Service at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION November 14, 2016 Revdex.com of...
Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for [redacted]. Mr. [redacted] states that he and his mother each placed one order from Fingerhut, and that he’s been receiving calls about the account being past due. He also states that the monthly payment has doubled on both his purchase and his mothers. Mr. [redacted] also states that he has not been allowed to talk to someone about his mother’s account, even though he assists her with her bills. In regards to Mr. [redacted]’s account, our records indicate he placed an order on August 23, 2016, for a GPX 32” LED TV. A statement was printed on September 16, 2016 and sent to Mr. [redacted] indicating his minimum payment due was $23.99 and it was due on October 15, 2016. We did not receive a payment until October 31, 2016. The payment was for $23.99, but was received sixteen days after the due date. A second statement was printed on October 19, 2016, indicating the Mr. [redacted]’s minimum amount due was now $47.98 and due by November 15, 2016. This is because we did not receive the October payment by the due date. When the November statement was created, the minimum amount due included both October and November’s amount due. Mr. [redacted]’s account was assessed a late fee on October 15, 2016, in the amount of $23.99, because we didn’t receive his payment on time. Our records indicate his next payment is due November 15, 2016 in the amount of $23.99. Mr. [redacted] may make his payment on our website, www.fingerhut.com, or in our automated system at ###-###-####, which is available 24 hours a day, 7 days a week. If Mr. [redacted] chooses to make a payment with an agent, the number he may call is also ###-###-####, but a fee of $5.00 may be assessed. Mr. [redacted]’s next statement will print on November 19, 2016. In regards to his mother’s account, we are unable to assist Mr. [redacted] with the account unless he can send in proof of Power of Attorney, showing he’s been granted legal rights to manage the account on his mother’s behalf. We apologize if this is inconvenient for them, but take our customer’s privacy seriously. If Mr. [redacted] obtains Power of Attorney, he may fax the documentation to us at ###-###-####, Attention: Account Support, or he may mail it to us at: Customer Service [redacted] St. Cloud, MN 56303. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team
Please be advised we were able to restore the Extreme TV programming for [redacted] along with a $20 discount to be applied for 12 months to cover the cost. [redacted] is satisfied. We trust this provides your office with the information required in this matter. Thank you, Ms. M[redacted]...
Sr. Analyst Verizon Executive Relations
We spoke with the customer on July *, 2015 and [redacted] verified that she received the refund check on 7/*/15
Good afternoon, The channel in question, NFL Network, was included in the customers package as he had standalone HBO service, it should be noted that the charge for HBO was credited every month and still is. Customer began service with FiOS in November of 2014 and at the time it was included....
However, as of 8/**/15, NFL Network is no longer included with Standalone HBO service. Bundle agreements are valid only for the location were service was installed, when the customer moved a new bundle agreement was required and the previous video package was not grandfathered as the service location had changed. Additionally, per the FiOS TV Terms of Service: 3. SERVICE CHANGES. Subject to applicable law, we reserve the right to change, rearrange, add, delete or otherwise modify the Service at any time, with or without prior notice to you, including changing, rearranging or otherwise modifying our Programming packages, the selections available in those packages, the Equipment, any Other Devices, and any other features, products and services that we offer. Verizon or its suppliers may, without notice or liability, restrict the use of any Services or limit its time of availability in order to perform maintenance activities and to maintain security. Due to the findings of our investigation, we will not be adding NFL network to the customers account. Customer will have to upgrade video package in order to do so. That is our final position.
I am rejecting this response because: I appreciate Gettington update on progress. Unfortunately the police department does not issue paper format. If anything else is needed from me let me know. If not I hope to here either way.
CONFIDENTIAL COMMUNICATION April 13,...
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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate Mr. [redacted] purchased a HP 4GB Windows 8.1 Desktop Computer with a 1 Year Service Plan on May 30, 2014. On January 14, 2016 Mr. [redacted] contacted Fingerhut stating the computer was no longer working properly. At this time he was told he would need to contact NEW (National Extended Warranty) for concerns regarding the computer as we require returns to be made in accordance to our return policy, which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are non refundable. Computers, camcorders, video games, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” Due to the length of time that has passed, Mr. [redacted] will need to contact NEW at ###-###-####. This plan began on June 1, 2015. His warranty contract number is FHI3[redacted]2. Each month we did not receive a payment from Mr. [redacted] resulted in a late fee. When Mr. [redacted] opened his Fingerhut Credit Account he agreed to the terms and conditions. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $26.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.” As a reminder to Mr. [redacted], his account with WebBank/Fingerhut is a revolving credit account. As such, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the next. The interest rate is calculated based on the account’s current Annual Percentage Rate of 25.15% and the monthly charges will vary in relation to increases or reductions in the account balance from month to month. According to an account review completed on April 13, 2016, Equifax, Experian and Trans Union are reporting accurately as Current/Pays as Agreed. 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 your 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. At this time Mr. [redacted]’s balance is $667.08. A minimum payment of $63.99 is due by May 2, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CSSC rep spoke to [redacted] today, and apologized that he has been having billing issues and that we still have not returned his deposit. She confirmed that the bill he got for 86.35 for ###-###-#### was adjusted in full and that he does not owe anything on it. I issued credit for the router that he...
returned for 52.99. The deposit is going to be put on the final bill so once that generates she will expedite the refund check. [redacted] is satisfied
Subsequent to the complaint, the local manager made contact with the customer to address her phone service and repeated service issues. The local manager explained Verizon's intent with resolving the issues. The local manager explained the possible causes for the service outages;...
explaining that all outages are not associated with inclement weather and are sometimes caused by commercial power loss. Verizon is in the process of ordering batteries, which should sustain the service during a commercial power loss. The local manager explained the entire process to the customer and provided his contact information to make contact for any future concerns.
CONFIDENTIAL COMMUNICATION July 6, 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Mr. [redacted]’s inquiry he indicated the catalog he was ordering from offered a ShelterLogic 10’ x 20’ 6 Legged Canopy for $49.99. When he attempted to order the item, the agent advised him the item was $199.99 and that the price needed to be verified. Mr. [redacted] contacted us the next day and states he was advised it could take another 48 hours to verify the information. Mr. [redacted] states he closed his account and cancelled the order. Our records indicate Mr. [redacted] contacted us on June 22, 2016 regarding the pricing issue for the canopy. Mr [redacted] requested to speak with a supervisor and the agent transferred Mr. [redacted] to a supervisor per his request. The supervisor referred Mr. [redacted]’s concerns to our merchandising team for further research. Due to the difference in pricing the order was not placed. Mr. [redacted] contacted us on June 23, 2016 and again requested to speak with a supervisor. The agent transferred Mr. [redacted] to a supervisor. The supervisor advised Mr. [redacted] that we were still researching the price difference. Mr. [redacted] stated that 24 hours should be enough time for our research to be completed and requested his account to be closed. The supervisor closed the account per Mr [redacted]’s request. A supervisor also attempted to contact Mr. [redacted] two additional times on June 23, 2016 with updates regarding the pricing difference. The supervisor left a message each time for Mr. [redacted] advising him that the price in the catalog was an error and that we were waiting for further details on the issue and for Mr. [redacted] to contact us for further assistance. We have no record of Mr. [redacted] contacting us in response to these messages. In our catalogs, under the Customer Service Information located with the order form is a section titled “Errors” and is as follows: Although we make every effort to ensure accuracy of our information, occasional descriptive or typographical errors may occur. Per our merchandising team, we will honor the pricing difference from $199.99 to $49.99 as a courtesy, if Mr. [redacted] would still like to order the canopy. Since Mr. [redacted] closed his Fingerhut Advantage Credit Account he may use a MasterCard, Visa, American Express or Discover to place the order by contacting our Customer Service Department at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Please understand the full amount of $199.99 plus any applicable sales tax and/or shipping and handling will be charged initially, however, once the order starts processing, we will issue a credit for $150.00. Once the credit has been issued in our system, Mr. [redacted] should allow 3-5 business days for the credit to be reflected on his credit card. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION April 25, 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. Our records indicate Ms. [redacted] placed an order on our website on August 19, 2014 for the Beats by Dr. Dre Studio Wireless Headphones in Red totaling $483.98. Interest charges are billed monthly when Ms. [redacted]’s statement is printed per the terms and conditions of the account. Additionally, Ms. [redacted] enrolled in SafeLine Plus Account Protection at the time she applied for the account on our website on August 19, 2014. To enroll in SafeLine on our website is a two-step process which required Ms. [redacted] to select that she wanted to enroll her Fingerhut credit account in SafeLine Plus and once enrolled, Ms. [redacted] was required to agree to the terms and conditions of SafeLine Plus. SafeLine Plus is an optional program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are met. Ms. [redacted] would have also received the terms and conditions for SafeLine Plus within a few days of enrolling in the program. SafeLine Plus fees have appeared under the fees section of each monthly statement from September 13, 2014 through March 13, 2016. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time. Additionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within 60 days after the error appeared on your statement. You must notify us in of any potential errors in writing”. On April 15, 2016 Ms. [redacted]’s account was credited in the amount of $4.28 for the SafeLine Plus fees she was billed in the last 60 days. No further credits will be issued for SafeLine Plus. Our records also indicate Ms. [redacted] was charged late fees on November 9, 2014 and January 9, 2015 in the amount of $26.00 each due to her minimum payment being received after the due date on the account per the terms and conditions she agreed to at the time she opened the account. Ms. [redacted] also received late fees on February 9, 2016 and April 9, 2016 in the amount of $14.99 each. It is important to make the minimum payment on time by the due date each month to avoid late fees. As Ms. [redacted] remained obligated to make at least the minimum payment due, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies. Ms. [redacted] is responsible for the remaining balance on her account of $184.32. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Technicians advised customer restoration has been completed. We are unable to verify due to customer not home. Follow up repair to complete wiring. case closed.
Better Business...
Bureau:
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:
[Business is making a FALSE STATEMENT in their response. I am attaching a copy of a section of my credit report I obtained from [redacted] as part of my free annual disclosure which clearly shows that on 12/**/2014 Verizon performed a soft credit check and obtained my credit file. This was NOTt authorized as part of the FIOS service order process and is a violation of FCRA. ]
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: this is scaming people
The case was sent to the business office for review.A specialist called [redacted] and reviewed her concerns. She explained that she is getting everything that she is supposed to be getting, HSI enhanced, Freedom Essentials and DTV. She did verify that her Auto pay is set up at this point and that...
we do see a $30.05 regional value credit for the next 12 months should appear on March statement. Went over paper free billing and that bills will be sent to her email address. Customer states she is happy as long as she is getting what she is paying for. Customer thinks it's very frustrating to speak with agents that do not speak English and are overseas. Was happy to speak to someone she could understand and that understands her.
Please be advised a technician was dispatched and completed the installation on November **, 2017. A credit was issued for the services from November 017, 2017 to November **, 2017 when all services were working. We spoke with [redacted] November **, 2017 and he confirmed...
everything is working. We trust this provides your office with the information required in this matter. Thank you, Verizon Executive Relations
I am rejecting this response because:
CONFIDENTIAL COMMUNICATION May 4, 2016 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Fingerhut credit account. We have included the account activity, statements from July 2015 through April 2016 and Terms and Conditions. Ms. [redacted] states she was late for two months in September and October 2015 and made a payment to bring the account current on November 1, 2015. Ms. [redacted] further states that upon reviewing the account in December 2015, realizing the account was past due, she made several attempts to contact Fingerhut from December through January. She was unable to make payments because customer service was unwilling or unable to assist with her making payments because of a credit block. Ms. [redacted] indicates Fingerhut cannot explain why her available credit is zero after making substantial payments to bring down the account balance. Ms. [redacted]’s desired resolution is to have the negative reporting from January and February 2016 removed and have the account closed to prevent further errors or provide her with available credit. Our records indicate that on March 31, 2014, an application for credit was processed online using Ms. [redacted]’s name, address and social security number. An order was placed on December 17, 2014 online for a Rocawear Men’s 3/4 Length ParkaOlive, Large. The merchandise was shipped to the same address as provided on the application. The latest order, totaling $480.86, was placed on July 1, 2015. We have received multiple payments on this account from a checking account ending in [redacted] and Visa debit in the name of [redacted]. The latest payment was received on April 15, 2016 totaling $70.00 from Visa debit card ending in 4401 shown in the name of [redacted]. Our research shows that no payments were made towards the account from June 29, 2015 through October 31, 2015. The credit limit was reduced to zero for non-payment on November 2, 2015 as the account had reached four billing cycles with no payment by October 28, 2015. Please note when the account credit limit is reduced to zero, the account closes to future credit purchases. Customers may order from Fingerhut using Visa, MasterCard, or Discover to pay for the order. Any outstanding balance will continue to accrue interest. The account may be assessed late fees and is subject to the original terms and conditions of the Agreement. Once the account has been paid in full, customers are encouraged to re-apply for credit. Our records indicate that Ms. [redacted]’s account was brought to a current status with a payment of $200.96 on November 1, 2015. No payments were received towards this account from November 2, 2015 through February 1, 2016. This resulted in a thirty day and a sixty day late status being reported to the credit bureaus. Our records also indicate, outside of mailed communications to Ms. [redacted], there weren’t any telephone, email or chat communication from October 10, 2015 through April 25, 2016. If Ms. [redacted] can provide more information on when and to whom she spoke with during this time, we will investigate the matter further. There were no holds placed on Ms. [redacted]’s account which would have prevented her from making a payment on her account. An account review completed on April 29, 2016 confirms the credit bureaus are accurately reporting the account as Pays as Agreed or Current. As of May 4, 2016, Ms. [redacted]’s WebBank/Fingerhut credit account balance is $993.82 with a minimum payment of $59.99 due by May 27, 2016. Per Ms. [redacted]’s written request, we have closed her account effective May 4, 2016. 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]’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. If Ms. [redacted] still has questions regarding what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Time. Thank you for the opportunity to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
I am rejecting this response because:AS YOU...
CAN SEE ON PRINTOUT OF MY HISTORY WITH GETTINGTON 11/27/2017 PAID ON TIME(BUT THEY CHARGED 38.00 LATE FEE ON THE 28TH) 9/27/2017 PAID ON TIME(BUT ON 09/28 THEY CHARGED 38.00 LATE FEE AGAIN) 5/27/17 PAID ON TIME(AGAIN THEY CHARGED LATE FEE ON THE 28TH FOR 38.00 ) 3/27/2017 ALSO PAID ON TIME (AGAIN THEY CHARGED 38.00 LATE FEE ON THE 28TH ) THIS PRINT OUT IS FROM MY GETTINGTON ON LINE STATEMENT FROM THEIR WEBSITE IT IS NOT MY FAULT THEY DO NOT PROCESS THE PAYMENTS UNTIL 2 OR 3 DAYS LATER IN ORDER FOR THEM TO COLLECT LATE FEES. THIS IS ILLEGAL. MY FINAL PAYMENT IS DUE TOMORROW 12/27/2017 IN AMOUNT OF 82.11 BUT IN REALITY THEY OWE ME MONEY $152.00.
Per Verizon records, [redacted] was given a credit of $141.97 on 1/**/17 also stopped billing and collections.