Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
The response from Verizon stated they attempted to contact me via telephone. The number listed in their response would have been my landline phone under Verizon. First, that is not the number I listed to be reached at. Second, if I cancelled service then obviously I would not be able to be reached at that number. What Verizon FiOS has repeatedly failed to do is cite the justification for penalizing customers who move outside of their service area. Even if in the fine print, how is it legally justifiable to penalize someone who relocates and relocates to an area where service is not offered? How is it justified to consider contracted services and sub-par services to be deemed equivalent to the fiber services that were originally signed-up for? This is a highly questionable practice and I am not clear how it is legally justified.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION November 23, 2016 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in regard to the inquiry we received from your office on behalf of [redacted]’s WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states that when he received the LG 49” Smart TV from us the screen was broken. He states that he was unable to use the return label that had been included with his package and was unable to get a prepaid return label from us to return the TV. He also states he wants a replacement TV sent to him and that the original TV was not properly packaged. We apologize that Mr. [redacted] had difficulty in obtaining a prepaid return label. Our records indicate Mr. [redacted] contacted us on multiple occasions to receive a prepaid return label, and that he was sent an incorrect label initially. The correct label was sent to him on November 11, 2016. We received the return of the TV on November 18, 2016 and an exact exchange was shipped out to him on that same date. The tracking information for the replacement TV indicates it is in transit with Pilot Freight Services. The tracking/shipment number is [redacted], and it has an estimated delivery date of December 6, 2016. We will pass along Mr. [redacted]’s concern about how the original TV was packaged, to the appropriate department. If Mr. [redacted] has additional questions or concerns, he may contact us via email at www.fingerhut.com/customerservice or by calling us at ###-###-####, between the hours of 8:00am and 8:00pm, Monday through Friday, Central Time. Thank you for this opportunity to assist. Sincerely, Vi [redacted] Executive Care Team
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] states that she has completed the FreshStart program successfully and should be eligible for a revolving account with a higher credit limit and no down-payment requirement. Our records indicate Ms. [redacted] had a late payment in July...
of 2016 which means she did not successfully complete the program. She may retry the program if she wishes.
Initial Business Response /* (1000, 5, 2016/02/02) */
CONFIDENTIAL COMMUNICATION
February 2, 2016
Revdex.com of Minnesota # [redacted]
Attn: Ms. [redacted]
220 S. River Ridge Circle
Burnsville, MN ...
55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, Terms and Conditions, credit application and last three monthly statements.
In Ms. [redacted]'s complaint, she states that Fingerhut is contacting her at work and on her cell phone regarding a payment that is not past due. Ms. [redacted]'s desired resolution is to have her credit reporting corrected, late fees reversed and not to be contacted unless her payment is past due.
Our records indicate the WebBank/Fingerhut credit account ending in [redacted] was opened on February 24, 2012 when an application for credit was processed online. The first order was placed on April 8, 2012 for a Sharper Image Fresh Juicer Juicer, American Weigh Kitchen Scale w/Black Bowl and a 1 Year Service Plan. The last order, totaling $129.97, was placed on June 19, 2013.
We received multiple payments from Visa credit cards ending in 4348 and 7393, Visa debit cards ending in 6198 and 8996 and a checking account ending in 4300. The name shown on the accounts is [redacted]. The last payment of $37.47 was received on January 4, 2016.
Our records indicate that there was no payment received on Ms. [redacted]'s account from October 23, 2015 until January 4, 2016. Ms. [redacted]'s Fingerhut credit account went into a past due status as of November 28, 2015.
As reflected on her December 1, 2015 statement, Ms. [redacted]'s account showed an amount due by December 27, 2015 of 44.98 which included the past due amount of $20.99 which was due on November 27, 2015.
Also reflected on Ms. [redacted]'s January 1, 2016 statement is an amount due by January 27, 2015 of $74.97, which includes a past due amount of $44.98. The payment of $37.47, made on January 4, 2016, is not shown on this statement.
As of February 2, 2016, Ms. [redacted]'s' account is being reported with a balance of $375.02 and past due of $37.50. To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, the minimum payment of $67.49 must be received by February 27, 2016.
Please note, reminder calls are made as a courtesy with the aim of assisting Fingerhut customers in making their payments on time.
An account review on January 29, 2016 confirmed that Experian, Trans Union and Equifax are reporting the account accurately.
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.
Based on our review, per your previous request on January 4, 2016, we revoked consent to call on the phone number currently associated with your account: (720) [redacted].
If you wish to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303.
Please note, if a cease and desist status is placed on your account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Your account would also be closed to future purchases and additional purchases on the account will not be allowed. However, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order.
Any outstanding balance will continue to accrue interest and you may be assessed late fees and your account is still subject to the original terms and conditions of the Agreement.
If you would like information or the assistance of one of our financial hardship payment plans, you would need to revoke the cease and desist request in writing.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2016/02/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
On 5/**, I called the customer and left msg on ###-###-####. I advised a $20 credit will be added to this account monthly to bring it to the price expected. I will follow up after 6/*/15 bill to be sure it posts and if not will manually adjust monthly so the customer will get the price...
expected. I adjusted $52.44 (to cover 4/* and 5/* bills) off 5/*/15 bill so the customer can deduct that and just send in $67.02 by 5/**/15. I left customer advocacy voicemail if any questions or concerns.
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.Since contact finger hut has corrected the issues with my account
I am rejecting this response because: I am not clear on why I am still responsible for a cancelled insurance policy thru Affinion Group as of November and was informed by that company of no further responsibility to Fingerhut.. They recommended that I should disregard the letters and that Fingerhut was not even being billed any longer.
Upon receipt of this complaint and after careful review we spoke with [redacted] and an order was placed with exceptions to match the online pricing and customer has due date of today. [redacted] the issue is resolved.
Thank you for referring the complaint of [redacted] to our office for review. We appreciate this matter being brought to our attention. [redacted] expressed concern about her internet service. Please be advised that since receiving this case we have not been able to reach [redacted] but was able to...
leave detailed voicemail messages on her can be reached phone number. We also sent call me letters to both her listed email and letter form to her home address. We trust that this information will assist you in the closing of this complaint. We apologize for any inconvenience that [redacted] has experienced as a result of the above matter.
CONFIDENTIAL COMMUNICATION 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
Per the consumers latest reply, no further action is required by Verizon. Verizon's prior response read as follows : Please be advised, Verizon has spoken with the consumer who has confirmed receipt of the $200 certificate (which expires 6/**/15). It has been explained that Verizon Wireless requires you to have an existing account or to establish a new 2 yr account with this certificate. It has been explained that Verizon can not waive Verizon Wireless' terms surrounding the tablet
I am rejecting this response because: The problem is that the account no longer belongs to Fingerhut. It was sold to [redacted] is the owner of the account and they have issued out documantation of my payment of the entire balance. How come the account's rightful owner doesn't have the right to change what written on a credit report. Fingerhut's clause became invalid when Fingerhut sold the account. Apparently, as Fingerhut keeps telling me, Fingerhut is no longer authorized to deal with any part of this account so, it stands to reason how Fingerhut can hold any kind of disciplinary clause to an account that the say is not their own and that they do not deal with in any way. I'm not sure how this can be fair. The account is not Fingerhut's property. Fingerhut either needs to make the corrections I am asking for or take their name off of my account and entitle the account as [redacted]'s property, so that [redacted]'s letter that confirms payment will be useful. This clause in the Fingerhut rule book is bullying under such circumstances as the one I have described. It is unfair treatment and it is Fingerhut trying to exercise power and relinquish power simultaneously when Fingerhut show just make up their mind: does Fingerhut own the account or not?
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
First, the service provided was not adequate and I should not have to pay for it. This is why we canceled service in the first place. I was charged for service that was sub-par with multiple disruptions and should not have to pay. We made numerous complaints regarding the service to no avail. When we cancelled, we got billed excessively behind the point of cancellation. To make things worse, after my internal review of my record I found that I actually made payments that were not applied against my account by Verizon. Which bring into questions how many additional payment they have not applied to who knows how many other customers. I have proof of payment that I could provide upon request, as I am hesitating to attach personal information.Secondly, an email requesting for proof as state by Verizon was never sent. I would like to see support or proof of the email. The only why I found out that I even had a balance from Verizon was when I was applying for a loan that this came up on the credit report. I called numerous times for supporting bill or statement of all the billing and payment history so that I can go back and go through all my Verizon payments, they never provided or state they don’t have the records. They only have that I owe the amounts. I asked when was the last call I made using Verizon, they stated they don’t know. Based on the fact that they don’t have accurate records of payments and they don’t know when service was terminated based on actual calls and usage, I believe that the bill should be reversed and that Verizon should notify the credit agency that there is no outstanding balance in order to mitigate any further damage to my credit.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
Please see my prior complaint ID#[redacted] regarding Verizon billing and charging. I accepted their agreement to post a $20 credit on 5/**/16 and $20 each month for 20 consecutive months. In good faith I paid the pending invoice on 6/*/16 in the amount of $91.39. I have received my new invoice in the amount of $88.24. The credit was not posted on 5/**/16 and also not on this current bill. What do I need to now do to have the $20 credits processed each month as offered and also have the additional credit received for the prior overcharge billing of $91.39
Revdex.com:
I have reviewed the response made by the business in reference to complaint...
ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
I have not received this card at this time. Verizon has stated it will take 15 days from 8/*/16. Today is 8/**/16 and I have not received the card. This is the same issue that has kept occurring, they would state the card was sent and I would never receive it
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
A review of [redacted] records show that her Verizon account was disconnected 3/**/2016. Verizon records do not indicate that her account had a $0 balance at any time in 2016. The bill the customer received for $1400 included charges for unreturned equipment. The equipment had been returned and...
the unreturned equipment charges were adjusted. [redacted] currently has an outstanding final bill of $463.29.
Thank you for referring the complaint of [redacted] to our office for review. We appreciate this matter being brought to our attention. [redacted] expressed concern about her Verizon services. Please be advised that our Sales and Service Team has been able to speak with [redacted] on...
several occasions per this concern. We were able to advise that the pending orders had system errors attached to them and needed to be cancelled. We have attempted to place upgrade orders to have her account services migrated from the Dry Loop that she currently has to basic Dial Tone with DSL internet attached. [redacted] understands that due to system issues we have yet to be able to complete an order. We will continue to work with [redacted] towards a resolution. She has our direct contact information if needed to discuss these matter further. We trust that this information will assist you in the closing of this complaint. We apologize for any inconvenience that [redacted] has experienced as a result of the above matter.
A Verizon representative spoke with [redacted] on October **, 2015 in regards to this inquiry. We have made changes to include the standard box at no charge as a one time exception. [redacted] does understand that should his services move again, he would lose this promotion. [redacted] has...
accepted these actions as resolution to this inquiry.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
The response from Verizon stated they attempted to contact me via telephone. The number listed in their response would have been my landline phone under Verizon. First, that is not the number I listed to be reached at. Second, if I cancelled service then obviously I would not be able to be reached at that number. What Verizon FiOS has repeatedly failed to do is cite the justification for penalizing customers who move outside of their service area. Even if in the fine print, how is it legally justifiable to penalize someone who relocates and relocates to an area where service is not offered? How is it justified to consider contracted services and sub-par services to be deemed equivalent to the fiber services that were originally signed-up for? This is a highly questionable practice and I am not clear how it is legally justified.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION November 23, 2016 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in regard to the inquiry we received from your office on behalf of [redacted]’s WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states that when he received the LG 49” Smart TV from us the screen was broken. He states that he was unable to use the return label that had been included with his package and was unable to get a prepaid return label from us to return the TV. He also states he wants a replacement TV sent to him and that the original TV was not properly packaged. We apologize that Mr. [redacted] had difficulty in obtaining a prepaid return label. Our records indicate Mr. [redacted] contacted us on multiple occasions to receive a prepaid return label, and that he was sent an incorrect label initially. The correct label was sent to him on November 11, 2016. We received the return of the TV on November 18, 2016 and an exact exchange was shipped out to him on that same date. The tracking information for the replacement TV indicates it is in transit with Pilot Freight Services. The tracking/shipment number is [redacted], and it has an estimated delivery date of December 6, 2016. We will pass along Mr. [redacted]’s concern about how the original TV was packaged, to the appropriate department. If Mr. [redacted] has additional questions or concerns, he may contact us via email at www.fingerhut.com/customerservice or by calling us at ###-###-####, between the hours of 8:00am and 8:00pm, Monday through Friday, Central Time. Thank you for this opportunity to assist. Sincerely, Vi [redacted] Executive Care Team
Full response attached. CONFIDENTIAL COMMUNICATION: Ms. [redacted] states that she has completed the FreshStart program successfully and should be eligible for a revolving account with a higher credit limit and no down-payment requirement. Our records indicate Ms. [redacted] had a late payment in July...
of 2016 which means she did not successfully complete the program. She may retry the program if she wishes.
Initial Business Response /* (1000, 5, 2016/02/02) */
CONFIDENTIAL COMMUNICATION
February 2, 2016
Revdex.com of Minnesota # [redacted]
Attn: Ms. [redacted]
220 S. River Ridge Circle
Burnsville, MN ...
55337
Re: Ms. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, Terms and Conditions, credit application and last three monthly statements.
In Ms. [redacted]'s complaint, she states that Fingerhut is contacting her at work and on her cell phone regarding a payment that is not past due. Ms. [redacted]'s desired resolution is to have her credit reporting corrected, late fees reversed and not to be contacted unless her payment is past due.
Our records indicate the WebBank/Fingerhut credit account ending in [redacted] was opened on February 24, 2012 when an application for credit was processed online. The first order was placed on April 8, 2012 for a Sharper Image Fresh Juicer Juicer, American Weigh Kitchen Scale w/Black Bowl and a 1 Year Service Plan. The last order, totaling $129.97, was placed on June 19, 2013.
We received multiple payments from Visa credit cards ending in 4348 and 7393, Visa debit cards ending in 6198 and 8996 and a checking account ending in 4300. The name shown on the accounts is [redacted]. The last payment of $37.47 was received on January 4, 2016.
Our records indicate that there was no payment received on Ms. [redacted]'s account from October 23, 2015 until January 4, 2016. Ms. [redacted]'s Fingerhut credit account went into a past due status as of November 28, 2015.
As reflected on her December 1, 2015 statement, Ms. [redacted]'s account showed an amount due by December 27, 2015 of 44.98 which included the past due amount of $20.99 which was due on November 27, 2015.
Also reflected on Ms. [redacted]'s January 1, 2016 statement is an amount due by January 27, 2015 of $74.97, which includes a past due amount of $44.98. The payment of $37.47, made on January 4, 2016, is not shown on this statement.
As of February 2, 2016, Ms. [redacted]'s' account is being reported with a balance of $375.02 and past due of $37.50. To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, the minimum payment of $67.49 must be received by February 27, 2016.
Please note, reminder calls are made as a courtesy with the aim of assisting Fingerhut customers in making their payments on time.
An account review on January 29, 2016 confirmed that Experian, Trans Union and Equifax are reporting the account accurately.
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.
Based on our review, per your previous request on January 4, 2016, we revoked consent to call on the phone number currently associated with your account: (720) [redacted].
If you wish to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303.
Please note, if a cease and desist status is placed on your account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Your account would also be closed to future purchases and additional purchases on the account will not be allowed. However, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order.
Any outstanding balance will continue to accrue interest and you may be assessed late fees and your account is still subject to the original terms and conditions of the Agreement.
If you would like information or the assistance of one of our financial hardship payment plans, you would need to revoke the cease and desist request in writing.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sa
Enclosures
Initial Consumer Rebuttal /* (2000, 7, 2016/02/03) */
(The consumer indicated he/she ACCEPTED the response from the business.)
On 5/**, I called the customer and left msg on ###-###-####. I advised a $20 credit will be added to this account monthly to bring it to the price expected. I will follow up after 6/*/15 bill to be sure it posts and if not will manually adjust monthly so the customer will get the price...
expected. I adjusted $52.44 (to cover 4/* and 5/* bills) off 5/*/15 bill so the customer can deduct that and just send in $67.02 by 5/**/15. I left customer advocacy voicemail if any questions or concerns.
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.Since contact finger hut has corrected the issues with my account
I am rejecting this response because: I am not clear on why I am still responsible for a cancelled insurance policy thru Affinion Group as of November and was informed by that company of no further responsibility to Fingerhut.. They recommended that I should disregard the letters and that Fingerhut was not even being billed any longer.
I am rejecting this response because:Still doesn't get me my refund and still double charged.
Upon receipt of this complaint and after careful review we spoke with [redacted] and an order was placed with exceptions to match the online pricing and customer has due date of today. [redacted] the issue is resolved.
Thank you for referring the complaint of [redacted] to our office for review. We appreciate this matter being brought to our attention. [redacted] expressed concern about her internet service. Please be advised that since receiving this case we have not been able to reach [redacted] but was able to...
leave detailed voicemail messages on her can be reached phone number. We also sent call me letters to both her listed email and letter form to her home address. We trust that this information will assist you in the closing of this complaint. We apologize for any inconvenience that [redacted] has experienced as a result of the above matter.
CONFIDENTIAL COMMUNICATION 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
Per the consumers latest reply, no further action is required by Verizon. Verizon's prior response read as follows : Please be advised, Verizon has spoken with the consumer who has confirmed receipt of the $200 certificate (which expires 6/**/15). It has been explained that Verizon Wireless requires you to have an existing account or to establish a new 2 yr account with this certificate. It has been explained that Verizon can not waive Verizon Wireless' terms surrounding the tablet
I am rejecting this response because:
I am not that person and my complaint is totally different.
I am rejecting this response because: The problem is that the account no longer belongs to Fingerhut. It was sold to [redacted] is the owner of the account and they have issued out documantation of my payment of the entire balance. How come the account's rightful owner doesn't have the right to change what written on a credit report. Fingerhut's clause became invalid when Fingerhut sold the account. Apparently, as Fingerhut keeps telling me, Fingerhut is no longer authorized to deal with any part of this account so, it stands to reason how Fingerhut can hold any kind of disciplinary clause to an account that the say is not their own and that they do not deal with in any way. I'm not sure how this can be fair. The account is not Fingerhut's property. Fingerhut either needs to make the corrections I am asking for or take their name off of my account and entitle the account as [redacted]'s property, so that [redacted]'s letter that confirms payment will be useful. This clause in the Fingerhut rule book is bullying under such circumstances as the one I have described. It is unfair treatment and it is Fingerhut trying to exercise power and relinquish power simultaneously when Fingerhut show just make up their mind: does Fingerhut own the account or not?
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
First, the service provided was not adequate and I should not have to pay for it. This is why we canceled service in the first place. I was charged for service that was sub-par with multiple disruptions and should not have to pay. We made numerous complaints regarding the service to no avail. When we cancelled, we got billed excessively behind the point of cancellation. To make things worse, after my internal review of my record I found that I actually made payments that were not applied against my account by Verizon. Which bring into questions how many additional payment they have not applied to who knows how many other customers. I have proof of payment that I could provide upon request, as I am hesitating to attach personal information.Secondly, an email requesting for proof as state by Verizon was never sent. I would like to see support or proof of the email. The only why I found out that I even had a balance from Verizon was when I was applying for a loan that this came up on the credit report. I called numerous times for supporting bill or statement of all the billing and payment history so that I can go back and go through all my Verizon payments, they never provided or state they don’t have the records. They only have that I owe the amounts. I asked when was the last call I made using Verizon, they stated they don’t know. Based on the fact that they don’t have accurate records of payments and they don’t know when service was terminated based on actual calls and usage, I believe that the bill should be reversed and that Verizon should notify the credit agency that there is no outstanding balance in order to mitigate any further damage to my credit.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because:
Please see my prior complaint ID#[redacted] regarding Verizon billing and charging. I accepted their agreement to post a $20 credit on 5/**/16 and $20 each month for 20 consecutive months. In good faith I paid the pending invoice on 6/*/16 in the amount of $91.39. I have received my new invoice in the amount of $88.24. The credit was not posted on 5/**/16 and also not on this current bill. What do I need to now do to have the $20 credits processed each month as offered and also have the additional credit received for the prior overcharge billing of $91.39
Sincerely,
Barbara Bugosh
Revdex.com:
I have reviewed the response made by the business in reference to complaint...
ID# [redacted], and have determined that my complaint has NOT been resolved because:
[Your Answer Here]
I have not received this card at this time. Verizon has stated it will take 15 days from 8/*/16. Today is 8/**/16 and I have not received the card. This is the same issue that has kept occurring, they would state the card was sent and I would never receive it
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
A review of [redacted] records show that her Verizon account was disconnected 3/**/2016. Verizon records do not indicate that her account had a $0 balance at any time in 2016. The bill the customer received for $1400 included charges for unreturned equipment. The equipment had been returned and...
the unreturned equipment charges were adjusted. [redacted] currently has an outstanding final bill of $463.29.
Thank you for referring the complaint of [redacted] to our office for review. We appreciate this matter being brought to our attention. [redacted] expressed concern about her Verizon services. Please be advised that our Sales and Service Team has been able to speak with [redacted] on...
several occasions per this concern. We were able to advise that the pending orders had system errors attached to them and needed to be cancelled. We have attempted to place upgrade orders to have her account services migrated from the Dry Loop that she currently has to basic Dial Tone with DSL internet attached. [redacted] understands that due to system issues we have yet to be able to complete an order. We will continue to work with [redacted] towards a resolution. She has our direct contact information if needed to discuss these matter further. We trust that this information will assist you in the closing of this complaint. We apologize for any inconvenience that [redacted] has experienced as a result of the above matter.
A Verizon representative spoke with [redacted] on October **, 2015 in regards to this inquiry. We have made changes to include the standard box at no charge as a one time exception. [redacted] does understand that should his services move again, he would lose this promotion. [redacted] has...
accepted these actions as resolution to this inquiry.