Please be advised Verizon records show the number was ported to [redacted] but was not active for us to take the number back. We spoke to [redacted] to advise the number needs to be active with them in order to port the number back. We received notice the customer decided to establish services with [redacted]. We trust this provides your office with the information required in this matter. Thank you, Verizon Executive Relations
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
March 15, 2016 #[redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
...
Re: Case # [redacted] -[redacted], [redacted]
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
As the above referenced account is a revolving credit account, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the next. The interest is calculated based on the account's current Variable Annual Percentage Rate (APR) of 20.15%, and the monthly charges will vary in relation to increases or reductions in the account balance from month to month. New terms and conditions were sent to Ms. [redacted] regarding the increase in her APR on January 13, 2016. This information can also be found by going to www.gettington.com and clicking "terms and conditions" at the bottom of the homepage.
We currently do not offer a lower APR.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
The customer sent an email to the representative because she did not understanding why her payment made on 3/*/17 for $302.00 is not covering a portion of the March bill due to print on 3/**/17. The representative explained to the customer that the payment for $302.00 covered her January and...
February billing statements. The February billing statement will be prorated 8 days on voice and 14 days on data and video so only a portion of the payment will be applied to the 03/[redacted]17 billing statement. The representative explained the estimated amount of $175 was sent via email with her move order assuming that she paid the balance ($302.99) for her old location. Otherwise the bill would have been $196 ($106 monthly payment and $90 set up fee). Instead it is lowered to $175.00 due to the partial credits that the customer will receive for the advanced billing from the old location.
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. I checked my credit report and I am satisfied of the charge off I'm thankful to the Revdex.com because the interest would have continued to mount on this account. I currently see that the charge off amount of 150.00 is due. This is a lot less had I not brought it to your attention the interest and late fee's would have continued on. Thanks for solving my problem for me. I did recognize a statement that I don't recall them ever saying which was it was going to be applied for fee's when clearly I'd been paying on time so how could there have been any fee's due this company need's a close monitoring on their business handling of the customers accounts. I see them collecting lots of extra money in this manner. Thanks a lot.
Initial Business Response /* (1000, 5, 2015/12/22) */
We have attempted to reach the customer tice, on 12/17/2015 and 12/18/2015. Both times we received a voice mail and were not able to leave a message as the recording stated that the mailbox was full. We would like for Mr [redacted] send in a...
copy of the bank statement that reflects the NSF charges that have been accrued since September so that we can review them for reimbursement. They can be faxed to [redacted]. We can be reached in customer service at [redacted].
Complaint Response Date bumped because: Holiday
Initial Consumer Rebuttal /* (3000, 7, 2015/12/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response for the following reason:
request of breakdown still not received and my wife works from home so she is always available to answer the phones. In addition, I have requested numerous emails a few included. I will reach out to my bank to get proof of fees and charges as I have done in the past. Biggest concern with calling your office is no consistency in information received
Final Business Response /* (4000, 12, 2016/01/07) */
I left a voice Message for Creg on 1/5/16 advising that a statement of all account transactions was e-mailed to him at the e-mail address on file and left my phone number. I also disabled any future ach withdrawals on the account and credited the $.13 balance. On 1/7/16 I spoke to his wife Trina and she did confirm he received the statement but had some questions. I could not discuss the account without first speaking to Creg but he will try to call this evening to verify account activity.
Final Consumer Response /* (2000, 14, 2016/01/18) */
A Verizon customer service representative discussed the issue with [redacted]. The concerns shared regarding the ordering site have been documented and referred to the appropriate team for review. Records show the service was upgraded to Preferred which provide the channel in...
questions. [redacted] confirmed that the issue was resolved. We apologize for the inconvenience that [redacted] experienced as a result of this matter.
According to record, Verizon's Customer Financial Services team assisted the customer with payment arrangements. The customer was advised to contact the Unlawful Verification Center (UVC) for all inquiries concerning the removal of the restriction on the account. The contact number for...
I am rejecting this response because:
I did not receive any letter stating this account would be closed. I had contacted the Attorney General and the Attorney General office told me that the business would have to send me a certified letter to close my account for inactivity since it affects my credit report. I never received any letters or notice and when I requested a book to be sent to me in October they did not say anything that this would be closed for in activity. Since there were no certified letter sent to me I am requesting my account be reopened under the same account number. Also I was told it was going to be reopened and that they would do a soft pull on my credit report . This was done with Experian in the beginning of March. The representative told me that they pulled it and it would be reopened. No I get this letter stating it not. How can they say they did not pull a credit report when it shows on my credit report.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is not satisfactory to me, but have no choice and the matter has been resolved.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. The need to go to the Revdex.com would not have been necessary had the company been more proactive and not failed to respond appropriately after more than one call. The final person that responded to the complaint from Verizon handled his part well.
Sincerely,
[redacted]
Please be advised, Verizon has reviewed the consumers account. Contact was made with the consumer via email upon receipt of the complaint filed. Verizon advised removing the contract from the account will increase monthly billing (due to the promotions/discounts she receives that are associated...
with the contract). Verizon has offered to allow the consumer to keep the existing bundle discounts and advised should she decide to disconnect services prior to the expiration of the contract (4/**/17) the early termination fee will be waived. The consumer has accepted Verizon’s offer. We apologize for any misinformation and /or inconvenience caused surrounding this matter.
account was not in a current status after the three consecutive payments that were made the last being December 19,2017. According to the terms of the companies agreement my account should have reflected as current because all of my payments were made on time if not early. When I called on January 2,2018 the last payment had been made at least 10 days prior and my account was current. Fingerhut. Did not resolve their system to have it reflect the information until I filed this complaint. every month I made a payment and called about the balance that was still showing past due. Every month I was told I was fine the system will update the information after the payment was made. I still have not received a replacement part for this defective item. [redacted]
Initial Business Response /* (1000, 5, 2015/12/29) */
CONFIDENTIAL COMMUNICATION
December 29, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...
writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Our investigation confirms two separate orders on Ms. [redacted]'s account from December 10, 2015. Each order consisted of a 14-Karat White Gold Open Heart Pendant and two (2) 14-Karat Gold Open Heart Pendants. These were also self-serviced, as they were placed directly via the Gettington website.
The first order was placed without a promotion code, and the second order was placed shortly afterward that had a promotion code for free shipping applied to it. While we are uncertain whether Ms. [redacted] or someone else placed these, these are valid web orders.
All of the items were shipped from one of our jewelry vendors, and they have confirmed that all six items from both orders were shipped in one parcel under UPS tracking # [redacted]. Ms. [redacted] should use the prepaid return label that we have sent to her email on file of [redacted]@aol.com to return the items in question so that we can make the necessary credit adjustments to her account.
If Ms. [redacted] maintains she did not receive the items from the second order, we will require her to complete and return an affidavit of merchandise not received. This is in accord with our policy, and when our records showing we met our delivery obligations differ from what the customer states they received.
We have sent Ms. [redacted] another affidavit which should arrive within ten days of the above date. We appreciate her ongoing cooperation and understanding in this matter.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2016/01/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
12/31/15 Spoke to a "may" female in Customer Service @12:30 pm EST not much success again (no help at all), almost 1 hour going nowhere & her not understanding barely anything I said, just read from scripted form as instructed to say to customers. Was told to contact "Credit Dept", I called them direct, today, at 1:29 pm EST, Spoke to "Dora". This woman Dora did speak fluent english, understood etc., was the most helpful out of everyone spoke with (since very start of this problem, so far).
Told Dora the whole situation again, she looked into it while I was placed on hold. Dora, eventually came back & told me the credit (duplicate charge) for $368.94, will be issued immediately and will see it online (when I sign into the Gettington account) where my new balance will be shown & seen as $343.97. ** It wasn't it shows new balance (online)as: Current Balance: $352.45 **This is due to the Safeline Plus added to the new balance of $343.97. (Yes I know, doesn't add up correctly, but that's what they have on the site - my account page online).
I also told Dora, 'there's "Safeline Plus fee (for both orders totaled $14.71), I don't even know what it is & why charged this. Dora said: "it's a protection coverage in case product breaks, damaged etc; it works like a warranty for your purchased items." Told her I never ordered this & want to be refunded this as well. She said, "can be refunded this fee 14.71, but need to call Safeline Plus directly and tell them, they'll cancel & refund you directly, Here is the number, call them when we're finished." **I did do this, afterwards.**
Next, I asked Dora (none of any Cust. Service people spoke to throughout start of problem to date, seemed able to do nor, even understand what needed to be done): "Now that the new balance is in place, $343.97, my MONTHLY MINIMUM PAYMENT DUE, needs to be re-adjusted from the original duplicate rated Mo. min. paymt shown as $39.67 -- *the charge for original & the duplicate order added in (never ordered duplicate order or received a duplicate order--though CHARGED TWICE--as wrote in previous/original complaint filed)as combined total for that Mo. Min. Paymt Due amount shown online & on my paper statement (received in regular mail) as well." Reason: "It's now the wrong figure & I need to know what the new Monthly Min. Paymt Due, will be so I can make a payment on time."
Dora said; "It will be $18.91. Will see this adjustment as well, in the Monthly Minimum Payment Due section (online and on next paper statement), each month."
**Unfortunately this wasn't the case, because I went to make a payment (pay online) and "Mo. Min. Paymt Due" STILL WRONG & shows the original $39.67 rate due by Jan. 15, 2016 --which is inaccurate, still not adjusted to correct amount of $18.91, yet!
I didn't want to miss making a payment, I didn't pay this $39.67 at all! I paid $19.00 (on 1/04/16 & post dated it for 1/15/16) & post dated the online payment, to be paid on the actual due date
of 1/15/16. *See Attached 2 Files.*
As far as a Affidavit goes, no need for it, like stated in original filed complaint! Again, since I never originally ordered a "duplicate/2nd order", nor received this "duplicate/2nd order" either, I OBVIOUSLY would not expect another pkg. or look!
I expect this matter to be resolved correctly--Gettington co. needs to get things done correctly, no excuses etc. (also fully train their people in Customer Service especially). I do not need them screwing up my credit because they can't seem (or choose not to do such)get things accurate & done correctly.
Thank you.
[redacted]
Final Business Response /* (4000, 17, 2016/02/01) */
January 29, 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 further inquiry we received from your office on behalf of Ms. [redacted].
Please allow us to explain that the billing system can only adjust the minimum monthly payment amount at the start of a new billing cycle. The duplicate order issue resulted in the system calculating a minimum due amount that was higher than it otherwise would have been.
At the time we received the $19.00 payment, the correct minimum amount due had not yet been updated as it was still within the original billing cycle timeframe. We agree that Ms. [redacted] was not at fault, and that is why we credited the late fee that was assessed.
Please be assured that no past due reporting or any other negative effect to Ms. [redacted]'s credit files has occurred as a result of this.
We have also issued credit for the remaining balance of $4.96. At this time, Ms. [redacted] has been refunded in full for the SafeLine fee previously billed. This will reflect on her upcoming monthly statement.
Ms. [redacted]'s account reflects a paid current status as of the date of this letter. The correct minimum amount due of $20.00 has been restored to Ms. [redacted]'s account for the next due date of February 15, 2016.
Sincerely,
Vi [redacted]
Executive Care
VF/ah
Final Consumer Response /* (3000, 19, 2016/02/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It's still only partially corrected, though not completely corrected yet, is why. Due to their inconsistencies, I do not trust how permanent these
actions on their part (to accurately, completely & permanently correct this ongoing matter), which can cause me credit problems further down the road as result of their inconsistencies & continued errors..
Thank you.
[redacted]
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. Ms. [redacted] states she set up automatic payments to be withdrawn from her bank account. For two months double the payment amount was withdrawn from her account. She states when she contacted Fingerhut she was told she did not need to make a payment for two months due to the over payment she had made. Ms. [redacted] states this is negatively reflecting her credit report. Her desired resolution would be have the negative payment history removed from her credit report. Our records indicate Ms. [redacted] had a payment schedule in place, which was set up on May 5, 2015 to make the minimum payment due on the 5th of each month. The August payment was declined by her bank, with a reason of ‘Card Number Error”, and that payment schedule was canceled. Because we did not receive the August payment, Ms. [redacted]’s account incurred a late fee, and the minimum amount due on September 5, 2016 was $156.26 because it included the August past due payment. After speaking with one of our representatives, Ms. [redacted] set up an automatic payment schedule on August 12, 2016. This schedule was set up to have the minimum monthly payment taken from her credit card ending in 5531 each month on the 5th. When Ms. [redacted] opened her Fingerhut Credit Account she 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 $27.00. 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.” Per the recurring payment schedule Ms. [redacted] agreed to, the minimum due of $156.26 was withdrawn from her account on September 5, 2016. On October 2, 2016 Ms. [redacted] contacted Fingerhut stating she did not authorize for the payment withdrawn on September 5, 2016. We have reviewed the telephone call Ms. [redacted] placed to Fingerhut on December 22, 2016. As discussed on this call the late fees Ms. [redacted] incurred on October 5, 2016 and November 5, 2016 have been credited to her account as a courtesy. Additionally, as Ms. [redacted] was advised by one of our representatives that her Credit Report would be updated to remove the negative marks, we have updated the information on Ms. [redacted]’s account to the credit reporting agencies on December 22, 2016. She should allow up to 60 days for the update to process. If Ms. [redacted] has any additional questions she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
We apologize for any misunderstanding on an appointment for a technician visit. Our investigation found that the issues with the internet were caused by static/noise on the line that was cleared on 6/**/16. A repair manager left a message for the customer with his name and direct number to call if...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry, she states that she ordered the Xbox One S bundle on November 23, 2016. When Ms. [redacted] received her package, she states that our company had shipped the Xbox One. Ms. [redacted] states that in the title of the advertisement it states Xbox One S but in the specifications this states Xbox One. Our research confirms the product we have in stock and are shipping (our item number NLFN8) is the “S” model. The older model that is not the “S” had a black chassis, while the “S” model is white in color. The reason the specifications state Xbox One is because it is the same system but an upgraded model. Names do not always get changed and the materials may still state Xbox One. The S model, is an upgraded model to include special features not included with the regular Xbox One. On November 29, 2016, Ms. [redacted] contacted Fingerhut regarding this order. Our representative then created a new order and reshipped the product to Ms. [redacted]. We recommend Ms. [redacted] return one of the Xbox One S consoles to receive full credit for the item to her account. If Ms. [redacted] returns the first Xbox One S, we will attach the 2-year service plan that was included with her first order to the replacement that was sent. Please note if she chooses to keep both Xbox consoles, she will be responsible for the payments of both items. We apologize for any inconvenience caused to Ms. [redacted]. Should Ms. [redacted] have any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
I am rejecting this response because:
A member of the support staff sent me a set of hand cream. This persons reaponse is a result if her thinking that she is in fact doing me a favor when my orders met and exceeded thw requirements if the offer. Fingerhut is selling products which do not list colors or options that create these types of fraudulent situations.
Please be advised Verizon records show the number was ported to [redacted] but was not active for us to take the number back. We spoke to [redacted] to advise the number needs to be active with them in order to port the number back. We received notice the customer decided to establish services with [redacted]. We trust this provides your office with the information required in this matter. Thank you, Verizon Executive Relations
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.
CONFIDENTIAL COMMUNICATION
March 15, 2016 #[redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
...
Re: Case # [redacted] -[redacted], [redacted]
I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
As the above referenced account is a revolving credit account, it is subject to accrued interest charges whenever a balance is carried from one billing cycle to the next. The interest is calculated based on the account's current Variable Annual Percentage Rate (APR) of 20.15%, and the monthly charges will vary in relation to increases or reductions in the account balance from month to month. New terms and conditions were sent to Ms. [redacted] regarding the increase in her APR on January 13, 2016. This information can also be found by going to www.gettington.com and clicking "terms and conditions" at the bottom of the homepage.
We currently do not offer a lower APR.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
The customer sent an email to the representative because she did not understanding why her payment made on 3/*/17 for $302.00 is not covering a portion of the March bill due to print on 3/**/17. The representative explained to the customer that the payment for $302.00 covered her January and...
February billing statements. The February billing statement will be prorated 8 days on voice and 14 days on data and video so only a portion of the payment will be applied to the 03/[redacted]17 billing statement. The representative explained the estimated amount of $175 was sent via email with her move order assuming that she paid the balance ($302.99) for her old location. Otherwise the bill would have been $196 ($106 monthly payment and $90 set up fee). Instead it is lowered to $175.00 due to the partial credits that the customer will receive for the advanced billing from the old location.
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. I checked my credit report and I am satisfied of the charge off I'm thankful to the Revdex.com because the interest would have continued to mount on this account. I currently see that the charge off amount of 150.00 is due. This is a lot less had I not brought it to your attention the interest and late fee's would have continued on. Thanks for solving my problem for me. I did recognize a statement that I don't recall them ever saying which was it was going to be applied for fee's when clearly I'd been paying on time so how could there have been any fee's due this company need's a close monitoring on their business handling of the customers accounts. I see them collecting lots of extra money in this manner. Thanks a lot.
Initial Business Response /* (1000, 5, 2015/12/22) */
We have attempted to reach the customer tice, on 12/17/2015 and 12/18/2015. Both times we received a voice mail and were not able to leave a message as the recording stated that the mailbox was full. We would like for Mr [redacted] send in a...
copy of the bank statement that reflects the NSF charges that have been accrued since September so that we can review them for reimbursement. They can be faxed to [redacted]. We can be reached in customer service at [redacted].
Complaint Response Date bumped because: Holiday
Initial Consumer Rebuttal /* (3000, 7, 2015/12/27) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not accept the response for the following reason:
request of breakdown still not received and my wife works from home so she is always available to answer the phones. In addition, I have requested numerous emails a few included. I will reach out to my bank to get proof of fees and charges as I have done in the past. Biggest concern with calling your office is no consistency in information received
Final Business Response /* (4000, 12, 2016/01/07) */
I left a voice Message for Creg on 1/5/16 advising that a statement of all account transactions was e-mailed to him at the e-mail address on file and left my phone number. I also disabled any future ach withdrawals on the account and credited the $.13 balance. On 1/7/16 I spoke to his wife Trina and she did confirm he received the statement but had some questions. I could not discuss the account without first speaking to Creg but he will try to call this evening to verify account activity.
Final Consumer Response /* (2000, 14, 2016/01/18) */
A Verizon customer service representative discussed the issue with [redacted]. The concerns shared regarding the ordering site have been documented and referred to the appropriate team for review. Records show the service was upgraded to Preferred which provide the channel in...
questions. [redacted] confirmed that the issue was resolved. We apologize for the inconvenience that [redacted] experienced as a result of this matter.
According to record, Verizon's Customer Financial Services team assisted the customer with payment arrangements. The customer was advised to contact the Unlawful Verification Center (UVC) for all inquiries concerning the removal of the restriction on the account. The contact number for...
the [redacted]. No further action required.
I am rejecting this response because:
I did not receive any letter stating this account would be closed. I had contacted the Attorney General and the Attorney General office told me that the business would have to send me a certified letter to close my account for inactivity since it affects my credit report. I never received any letters or notice and when I requested a book to be sent to me in October they did not say anything that this would be closed for in activity. Since there were no certified letter sent to me I am requesting my account be reopened under the same account number. Also I was told it was going to be reopened and that they would do a soft pull on my credit report . This was done with Experian in the beginning of March. The representative told me that they pulled it and it would be reopened. No I get this letter stating it not. How can they say they did not pull a credit report when it shows on my credit report.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is not satisfactory to me, but have no choice and the matter has been resolved.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved. The need to go to the Revdex.com would not have been necessary had the company been more proactive and not failed to respond appropriately after more than one call. The final person that responded to the complaint from Verizon handled his part well.
Sincerely,
[redacted]
Please be advised, Verizon has reviewed the consumers account. Contact was made with the consumer via email upon receipt of the complaint filed. Verizon advised removing the contract from the account will increase monthly billing (due to the promotions/discounts she receives that are associated...
with the contract). Verizon has offered to allow the consumer to keep the existing bundle discounts and advised should she decide to disconnect services prior to the expiration of the contract (4/**/17) the early termination fee will be waived. The consumer has accepted Verizon’s offer. We apologize for any misinformation and /or inconvenience caused surrounding this matter.
Verizon contacted the customer and advised the charge of$518.01 has been removed from the account. There is no restriction on the account.
I am rejecting this response because:
My...
account was not in a current status after the three consecutive payments that were made the last being December 19,2017. According to the terms of the companies agreement my account should have reflected as current because all of my payments were made on time if not early. When I called on January 2,2018 the last payment had been made at least 10 days prior and my account was current. Fingerhut. Did not resolve their system to have it reflect the information until I filed this complaint. every month I made a payment and called about the balance that was still showing past due. Every month I was told I was fine the system will update the information after the payment was made. I still have not received a replacement part for this defective item. [redacted]
Initial Business Response /* (1000, 5, 2015/12/29) */
CONFIDENTIAL COMMUNICATION
December 29, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am...
writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Our investigation confirms two separate orders on Ms. [redacted]'s account from December 10, 2015. Each order consisted of a 14-Karat White Gold Open Heart Pendant and two (2) 14-Karat Gold Open Heart Pendants. These were also self-serviced, as they were placed directly via the Gettington website.
The first order was placed without a promotion code, and the second order was placed shortly afterward that had a promotion code for free shipping applied to it. While we are uncertain whether Ms. [redacted] or someone else placed these, these are valid web orders.
All of the items were shipped from one of our jewelry vendors, and they have confirmed that all six items from both orders were shipped in one parcel under UPS tracking # [redacted]. Ms. [redacted] should use the prepaid return label that we have sent to her email on file of [redacted]@aol.com to return the items in question so that we can make the necessary credit adjustments to her account.
If Ms. [redacted] maintains she did not receive the items from the second order, we will require her to complete and return an affidavit of merchandise not received. This is in accord with our policy, and when our records showing we met our delivery obligations differ from what the customer states they received.
We have sent Ms. [redacted] another affidavit which should arrive within ten days of the above date. We appreciate her ongoing cooperation and understanding in this matter.
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2016/01/08) */
(The consumer indicated he/she DID NOT accept the response from the business.)
12/31/15 Spoke to a "may" female in Customer Service @12:30 pm EST not much success again (no help at all), almost 1 hour going nowhere & her not understanding barely anything I said, just read from scripted form as instructed to say to customers. Was told to contact "Credit Dept", I called them direct, today, at 1:29 pm EST, Spoke to "Dora". This woman Dora did speak fluent english, understood etc., was the most helpful out of everyone spoke with (since very start of this problem, so far).
Told Dora the whole situation again, she looked into it while I was placed on hold. Dora, eventually came back & told me the credit (duplicate charge) for $368.94, will be issued immediately and will see it online (when I sign into the Gettington account) where my new balance will be shown & seen as $343.97. ** It wasn't it shows new balance (online)as: Current Balance: $352.45 **This is due to the Safeline Plus added to the new balance of $343.97. (Yes I know, doesn't add up correctly, but that's what they have on the site - my account page online).
I also told Dora, 'there's "Safeline Plus fee (for both orders totaled $14.71), I don't even know what it is & why charged this. Dora said: "it's a protection coverage in case product breaks, damaged etc; it works like a warranty for your purchased items." Told her I never ordered this & want to be refunded this as well. She said, "can be refunded this fee 14.71, but need to call Safeline Plus directly and tell them, they'll cancel & refund you directly, Here is the number, call them when we're finished." **I did do this, afterwards.**
Next, I asked Dora (none of any Cust. Service people spoke to throughout start of problem to date, seemed able to do nor, even understand what needed to be done): "Now that the new balance is in place, $343.97, my MONTHLY MINIMUM PAYMENT DUE, needs to be re-adjusted from the original duplicate rated Mo. min. paymt shown as $39.67 -- *the charge for original & the duplicate order added in (never ordered duplicate order or received a duplicate order--though CHARGED TWICE--as wrote in previous/original complaint filed)as combined total for that Mo. Min. Paymt Due amount shown online & on my paper statement (received in regular mail) as well." Reason: "It's now the wrong figure & I need to know what the new Monthly Min. Paymt Due, will be so I can make a payment on time."
Dora said; "It will be $18.91. Will see this adjustment as well, in the Monthly Minimum Payment Due section (online and on next paper statement), each month."
**Unfortunately this wasn't the case, because I went to make a payment (pay online) and "Mo. Min. Paymt Due" STILL WRONG & shows the original $39.67 rate due by Jan. 15, 2016 --which is inaccurate, still not adjusted to correct amount of $18.91, yet!
I didn't want to miss making a payment, I didn't pay this $39.67 at all! I paid $19.00 (on 1/04/16 & post dated it for 1/15/16) & post dated the online payment, to be paid on the actual due date
of 1/15/16. *See Attached 2 Files.*
As far as a Affidavit goes, no need for it, like stated in original filed complaint! Again, since I never originally ordered a "duplicate/2nd order", nor received this "duplicate/2nd order" either, I OBVIOUSLY would not expect another pkg. or look!
I expect this matter to be resolved correctly--Gettington co. needs to get things done correctly, no excuses etc. (also fully train their people in Customer Service especially). I do not need them screwing up my credit because they can't seem (or choose not to do such)get things accurate & done correctly.
Thank you.
[redacted]
Final Business Response /* (4000, 17, 2016/02/01) */
January 29, 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 further inquiry we received from your office on behalf of Ms. [redacted].
Please allow us to explain that the billing system can only adjust the minimum monthly payment amount at the start of a new billing cycle. The duplicate order issue resulted in the system calculating a minimum due amount that was higher than it otherwise would have been.
At the time we received the $19.00 payment, the correct minimum amount due had not yet been updated as it was still within the original billing cycle timeframe. We agree that Ms. [redacted] was not at fault, and that is why we credited the late fee that was assessed.
Please be assured that no past due reporting or any other negative effect to Ms. [redacted]'s credit files has occurred as a result of this.
We have also issued credit for the remaining balance of $4.96. At this time, Ms. [redacted] has been refunded in full for the SafeLine fee previously billed. This will reflect on her upcoming monthly statement.
Ms. [redacted]'s account reflects a paid current status as of the date of this letter. The correct minimum amount due of $20.00 has been restored to Ms. [redacted]'s account for the next due date of February 15, 2016.
Sincerely,
Vi [redacted]
Executive Care
VF/ah
Final Consumer Response /* (3000, 19, 2016/02/04) */
(The consumer indicated he/she DID NOT accept the response from the business.)
It's still only partially corrected, though not completely corrected yet, is why. Due to their inconsistencies, I do not trust how permanent these
actions on their part (to accurately, completely & permanently correct this ongoing matter), which can cause me credit problems further down the road as result of their inconsistencies & continued errors..
Thank you.
[redacted]
CONFIDENTIAL COMMUNICATION December 30,...
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. Ms. [redacted] states she set up automatic payments to be withdrawn from her bank account. For two months double the payment amount was withdrawn from her account. She states when she contacted Fingerhut she was told she did not need to make a payment for two months due to the over payment she had made. Ms. [redacted] states this is negatively reflecting her credit report. Her desired resolution would be have the negative payment history removed from her credit report. Our records indicate Ms. [redacted] had a payment schedule in place, which was set up on May 5, 2015 to make the minimum payment due on the 5th of each month. The August payment was declined by her bank, with a reason of ‘Card Number Error”, and that payment schedule was canceled. Because we did not receive the August payment, Ms. [redacted]’s account incurred a late fee, and the minimum amount due on September 5, 2016 was $156.26 because it included the August past due payment. After speaking with one of our representatives, Ms. [redacted] set up an automatic payment schedule on August 12, 2016. This schedule was set up to have the minimum monthly payment taken from her credit card ending in 5531 each month on the 5th. When Ms. [redacted] opened her Fingerhut Credit Account she 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 $27.00. 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.” Per the recurring payment schedule Ms. [redacted] agreed to, the minimum due of $156.26 was withdrawn from her account on September 5, 2016. On October 2, 2016 Ms. [redacted] contacted Fingerhut stating she did not authorize for the payment withdrawn on September 5, 2016. We have reviewed the telephone call Ms. [redacted] placed to Fingerhut on December 22, 2016. As discussed on this call the late fees Ms. [redacted] incurred on October 5, 2016 and November 5, 2016 have been credited to her account as a courtesy. Additionally, as Ms. [redacted] was advised by one of our representatives that her Credit Report would be updated to remove the negative marks, we have updated the information on Ms. [redacted]’s account to the credit reporting agencies on December 22, 2016. She should allow up to 60 days for the update to process. If Ms. [redacted] has any additional questions she may contact Fingerhut Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
We apologize for any misunderstanding on an appointment for a technician visit. Our investigation found that the issues with the internet were caused by static/noise on the line that was cleared on 6/**/16. A repair manager left a message for the customer with his name and direct number to call if...
there are any further issues.
CONFIDENTIAL COMMUNICATION December 6,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry, she states that she ordered the Xbox One S bundle on November 23, 2016. When Ms. [redacted] received her package, she states that our company had shipped the Xbox One. Ms. [redacted] states that in the title of the advertisement it states Xbox One S but in the specifications this states Xbox One. Our research confirms the product we have in stock and are shipping (our item number NLFN8) is the “S” model. The older model that is not the “S” had a black chassis, while the “S” model is white in color. The reason the specifications state Xbox One is because it is the same system but an upgraded model. Names do not always get changed and the materials may still state Xbox One. The S model, is an upgraded model to include special features not included with the regular Xbox One. On November 29, 2016, Ms. [redacted] contacted Fingerhut regarding this order. Our representative then created a new order and reshipped the product to Ms. [redacted]. We recommend Ms. [redacted] return one of the Xbox One S consoles to receive full credit for the item to her account. If Ms. [redacted] returns the first Xbox One S, we will attach the 2-year service plan that was included with her first order to the replacement that was sent. Please note if she chooses to keep both Xbox consoles, she will be responsible for the payments of both items. We apologize for any inconvenience caused to Ms. [redacted]. Should Ms. [redacted] have any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
I am rejecting this response because:
A member of the support staff sent me a set of hand cream. This persons reaponse is a result if her thinking that she is in fact doing me a favor when my orders met and exceeded thw requirements if the offer. Fingerhut is selling products which do not list colors or options that create these types of fraudulent situations.
The original response remains.