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]
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
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.
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) */
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.)
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]
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:
I am responding to ensure this complain remains open while I wait for a callback from Verizon. According to my account online, my official bill is still $39.99/month. Verizon has applied a credit of $20.00; I believe this to represent $10.00 for the 7/**/16 bill and $10.00 for the 8/**/16 bill. I have received an email from a Verizon Representative named "[redacted]" stating that "... [Verizon] added a $ 10.00 recurring adjustment to make the amount $ 29.99 for the next 12 months." (See Attached).When I got my first bill and noticed it to be different from what I agreed to over the phone, I immediately called Verizon to get it straightened out. Over the course of the next 12 months, I had contacted Verizon and spoken with representatives roughly once every 3 months because my bill had not yet been updated. I received assurances that, come July, it would be fine. I was told supervisors were already involved, the account was being forwarded to the Exceptions Office, and that notations were added to my support ticket, etc. This is clearly a case of Verizon and their representatives knowingly and willfully not addressing my complaint with the expectation that I would just accept the increased charges and cease my complaints. My current fear, is this:That Verizon has only made a change to my bill for the first two months in this billing year. That I will need to diligently monitor my bill and accounts to ensure that the appropriate amount is being deducted. That I will continue to lose wages, being forced to waste hours of (what should be billable) time each month with Verizon to ensure my bill is correct.An acceptable solution for me, would be for Verizon to add a lump credit to my account which would total $10 * 12 mo. = $120.00. I would continue to pay $29.99 per month, but this way my official bill would reflect the correct amount to be paid, as opposed to me just hoping that Verizon would continue to deduct $10.00 each month with a credit I cannot see. Please note, a *total* of $120; with the $20 credit currently on my account, that would only require an additional $100 of credits.Another acceptable solution for me, would be for Verizon to send me an official .pdf of what my expected account payments will be for the next 11 months; something showing my account number, the $39.99 current bill, with a $10.00 discount applied. Some type of additional assurance that I will not need to contact Billing every month.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/12/29) */
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]
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.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION
March 16, 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 further inquiry we received...
from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
We would like to help resolve the issues Ms. [redacted] is having on her account, but we need some clarification. A representative attempted to call Ms. [redacted] to do so on March 16, 2016 but was not successful. Ms. [redacted] should call the executive care team at [redacted] so we can help her further.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
On November *, 2016, our billing representative spoke with [redacted] and explained her port order was held because she cancelled her cable service prior to the port taking place. We attempted to contact her on October **, 2016 regarding this held order. At this point she requested to cancel the port order and have Verizon change her TV package to Extreme HD at the original bundle rate she had of $79.99. Our billing representative per [redacted] request issued a cancellation of the port order and issued an order to add the Extreme HD package with a bundle rate of $79.99. She also requested credit of the activation fee due to her aggravation and an adjustment was issued for $44.00 which represents the first Installment billed and the second Installment to be billed was suppressed. [redacted] had no further concerns at this time.
CONFIDENTIAL COMMUNICATION July 7, 2017 Revdex.com of Minnesota �...⇄ #2490259498 Attn: Jesi [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted], Marsha Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office for Marsha [redacted]. Ms. [redacted] states in follow up: “I am not clear on why I am still responsible for a cancelled insurance policy through 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 Fingerhut was not even being billed any longer.” Please see the full response with complete details attached. Sincerely, Vi [redacted]Executive Care Team VF/ah
Please be advised, the consumer filed a similar complaint with Verizon’s Executive Team. Verizon found that an order was placed on 10/**/15 to upgrade services to the FiOS Digital Voice (w/ 75/75 Data and Preferred HD TV). The order included shipment of equipment; however the consumer had equipment...
already. In an attempt to cancel the shipment an order was issued and was later canceled by an agent. Despite the order reflecting “canceled” in the system, it still managed to remove channels from the consumers account. Verizon’s Fiber Solutions Center (FSC) was able to correct this issue by creating an internal order which reinstated TV channels and also enabled DVR services. Verizon has spoken with the consumer as of 10/**/15 and confirmed all services were working properly. Apologies were given for the inconvenience caused. An adjustment totaling $36.77 was applied to the account on 10/**/15.
CONFIDENTIAL COMMUNICATION
August 11, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to...
an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account.
Mr. [redacted] states that Trans Union has deleted the WebBank Fingerhut trade line from the credit report, but the trade lines are still reporting on both Equifax and Experian. Mr. [redacted]' desired resolution is for Fingerhut to delete the trade lines from Equifax and Experian.
According to our records, an application for credit with Fingerhut was processed with Mr. [redacted]' personally identifiable information on February 5, 2013. Mr. [redacted] was approved for a Fingerhut FreshStart account with a credit limit of $230.00.
The only order placed was on November 9, 2013 for a Skechers Women's Centennial Shoe Wide-Size 10, a Dirty Laundry Women's Pitch Suede Bootie-size 10, and a Lea Apparel Women's Marled Knit Sweater Coat - size 3xl.
We referred Mr. [redacted]' concern to our Credit Risk Department for further review and they determined that the account should be deleted from Mr. [redacted]' credit bureau report for reason of fraud.
On August 10, 2015, a request was sent to the credit bureaus to delete the remaining trade lines. (Ref: [redacted]) Please allow up to thirty days for the bureaus to update this information.
A phone conversation with Trans Union confirmed that the Fingerhut trade line was deleted on December 24, 2014.
During our research, we were also able to locate an additional inquiry for credit in Mr. [redacted]' name.
On August 10, 2015 a letter was sent to Mr. [redacted]' address of [redacted], Houston, TX 77073 notifying him that the inquiry on his credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Inc. for removal; please allow 60-90 days for the information to be removed. Additionally, Mr. [redacted]' information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur.
If Mr. [redacted] has any further questions or concerns, he can contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 4:30pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
CONFIDENTIAL COMMUNICATION June 5, 2017 ...⇄ # [redacted] Revdex.com of MinnesotaAttn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut FreshStart Account. Ms. [redacted] states she has sent the documents we have requested to complete our investigation into her claim of Unauthorized Use/Identity Theft. Ms. [redacted] is again requesting us to investigate her account. We take Identity Theft/Unauthorized Account Use very seriously and as such a resolution of this matter requires that certain measures and due diligence be taken. To date we have not received the required police report. At the bottom of the Identity Theft Report Ms. [redacted] completed it states: “Use this form to prove to businesses and credit bureaus that you have submitted an identity theft report to law enforcement. Some businesses might request that you also file a report with your local police.” As previously stated without a copy of the police report requested, no additional handling will be completed. Ms. [redacted] may fax a copy of the report to our Fraud Department at ###-###-#### or by email to [email protected], or by mail to [redacted]. St. Cloud, MN. 56303. If Ms. [redacted] has further questions she may contact our Fraud Department at ###-###-####, Monday – Friday, 8:00 AM – 6:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted]Executive Care TeamVF/bw
CONFIDENTIAL COMMUNICATION August 12, 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 further inquiry we received from Ms. [redacted]. Ms. [redacted] disagrees with our position, explained in detail in the previous response, to not refund the $30.00 down payment. She states it contradicts a letter from April 5, 2016 we sent indicating we would return the $30.00 down payment to her, which she can fax to us as proof. We agree a letter was sent to Ms. [redacted] on April 5, 2016, however, that letter did not indicate that the $30.00 down payment would be refunded to her. It notified that, although Ms. [redacted] had not “graduated” to a revolving account, she could try the FreshStart program again by placing a new order using the same account. We have no record of any other letters being sent Ms. [redacted] around that date. Ms. [redacted] may fax us the letter she is referencing at ###-###-####, Attn: Executive Care Group. At this time our position remains unchanged, as we were within our rights to apply that $30.00 as payment for the non-refundable shipping and handling charge Ms. [redacted] was responsible for per our return policy. Once we receive and review the letter in question, we can consider her request for a refund and will notify Ms. [redacted] directly of our decision. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
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. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
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 would only ask that in the future I wouldn't have to go to these lengths to get an answer confirming what happens with my account.
Good morning, I spoke with the customer and was provided with an email showing account should have been cancelled wit the date of May [redacted]. We issued an order to do just that and once the account goes final and the adjustments take place, I can work on getting the refund amount sent to the...
customer. The account takes 1 to 2 billing cycles to go final.
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]
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
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.
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) */
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.)
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]
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:
I am responding to ensure this complain remains open while I wait for a callback from Verizon. According to my account online, my official bill is still $39.99/month. Verizon has applied a credit of $20.00; I believe this to represent $10.00 for the 7/**/16 bill and $10.00 for the 8/**/16 bill. I have received an email from a Verizon Representative named "[redacted]" stating that "... [Verizon] added a $ 10.00 recurring adjustment to make the amount $ 29.99 for the next 12 months." (See Attached).When I got my first bill and noticed it to be different from what I agreed to over the phone, I immediately called Verizon to get it straightened out. Over the course of the next 12 months, I had contacted Verizon and spoken with representatives roughly once every 3 months because my bill had not yet been updated. I received assurances that, come July, it would be fine. I was told supervisors were already involved, the account was being forwarded to the Exceptions Office, and that notations were added to my support ticket, etc. This is clearly a case of Verizon and their representatives knowingly and willfully not addressing my complaint with the expectation that I would just accept the increased charges and cease my complaints. My current fear, is this:That Verizon has only made a change to my bill for the first two months in this billing year. That I will need to diligently monitor my bill and accounts to ensure that the appropriate amount is being deducted. That I will continue to lose wages, being forced to waste hours of (what should be billable) time each month with Verizon to ensure my bill is correct.An acceptable solution for me, would be for Verizon to add a lump credit to my account which would total $10 * 12 mo. = $120.00. I would continue to pay $29.99 per month, but this way my official bill would reflect the correct amount to be paid, as opposed to me just hoping that Verizon would continue to deduct $10.00 each month with a credit I cannot see. Please note, a *total* of $120; with the $20 credit currently on my account, that would only require an additional $100 of credits.Another acceptable solution for me, would be for Verizon to send me an official .pdf of what my expected account payments will be for the next 11 months; something showing my account number, the $39.99 current bill, with a $10.00 discount applied. Some type of additional assurance that I will not need to contact Billing every month.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Initial Business Response /* (1000, 5, 2015/12/29) */
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]
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.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION
March 16, 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 further inquiry we received...
from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
We would like to help resolve the issues Ms. [redacted] is having on her account, but we need some clarification. A representative attempted to call Ms. [redacted] to do so on March 16, 2016 but was not successful. Ms. [redacted] should call the executive care team at [redacted] so we can help her further.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
On November *, 2016, our billing representative spoke with [redacted] and explained her port order was held because she cancelled her cable service prior to the port taking place. We attempted to contact her on October **, 2016 regarding this held order. At this point she requested to cancel the port order and have Verizon change her TV package to Extreme HD at the original bundle rate she had of $79.99. Our billing representative per [redacted] request issued a cancellation of the port order and issued an order to add the Extreme HD package with a bundle rate of $79.99. She also requested credit of the activation fee due to her aggravation and an adjustment was issued for $44.00 which represents the first Installment billed and the second Installment to be billed was suppressed. [redacted] had no further concerns at this time.
CONFIDENTIAL COMMUNICATION July 7, 2017 Revdex.com of Minnesota �...⇄ #2490259498 Attn: Jesi [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted], Marsha Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office for Marsha [redacted]. Ms. [redacted] states in follow up: “I am not clear on why I am still responsible for a cancelled insurance policy through 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 Fingerhut was not even being billed any longer.” Please see the full response with complete details attached. Sincerely, Vi [redacted]Executive Care Team VF/ah
Please be advised, the consumer filed a similar complaint with Verizon’s Executive Team. Verizon found that an order was placed on 10/**/15 to upgrade services to the FiOS Digital Voice (w/ 75/75 Data and Preferred HD TV). The order included shipment of equipment; however the consumer had equipment...
already. In an attempt to cancel the shipment an order was issued and was later canceled by an agent. Despite the order reflecting “canceled” in the system, it still managed to remove channels from the consumers account. Verizon’s Fiber Solutions Center (FSC) was able to correct this issue by creating an internal order which reinstated TV channels and also enabled DVR services. Verizon has spoken with the consumer as of 10/**/15 and confirmed all services were working properly. Apologies were given for the inconvenience caused. An adjustment totaling $36.77 was applied to the account on 10/**/15.
CONFIDENTIAL COMMUNICATION
August 11, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am writing in response to...
an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account.
Mr. [redacted] states that Trans Union has deleted the WebBank Fingerhut trade line from the credit report, but the trade lines are still reporting on both Equifax and Experian. Mr. [redacted]' desired resolution is for Fingerhut to delete the trade lines from Equifax and Experian.
According to our records, an application for credit with Fingerhut was processed with Mr. [redacted]' personally identifiable information on February 5, 2013. Mr. [redacted] was approved for a Fingerhut FreshStart account with a credit limit of $230.00.
The only order placed was on November 9, 2013 for a Skechers Women's Centennial Shoe Wide-Size 10, a Dirty Laundry Women's Pitch Suede Bootie-size 10, and a Lea Apparel Women's Marled Knit Sweater Coat - size 3xl.
We referred Mr. [redacted]' concern to our Credit Risk Department for further review and they determined that the account should be deleted from Mr. [redacted]' credit bureau report for reason of fraud.
On August 10, 2015, a request was sent to the credit bureaus to delete the remaining trade lines. (Ref: [redacted]) Please allow up to thirty days for the bureaus to update this information.
A phone conversation with Trans Union confirmed that the Fingerhut trade line was deleted on December 24, 2014.
During our research, we were also able to locate an additional inquiry for credit in Mr. [redacted]' name.
On August 10, 2015 a letter was sent to Mr. [redacted]' address of [redacted], Houston, TX 77073 notifying him that the inquiry on his credit report was referred to Equifax Credit Services, TransUnion L.L.C., and Experian Information Solutions, Inc. for removal; please allow 60-90 days for the information to be removed. Additionally, Mr. [redacted]' information has been marked for our system to instantly recognize, flag, and block similar attempts in the future, should they occur.
If Mr. [redacted] has any further questions or concerns, he can contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 4:30pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
CONFIDENTIAL COMMUNICATION June 5, 2017 ...⇄ # [redacted] Revdex.com of MinnesotaAttn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut FreshStart Account. Ms. [redacted] states she has sent the documents we have requested to complete our investigation into her claim of Unauthorized Use/Identity Theft. Ms. [redacted] is again requesting us to investigate her account. We take Identity Theft/Unauthorized Account Use very seriously and as such a resolution of this matter requires that certain measures and due diligence be taken. To date we have not received the required police report. At the bottom of the Identity Theft Report Ms. [redacted] completed it states: “Use this form to prove to businesses and credit bureaus that you have submitted an identity theft report to law enforcement. Some businesses might request that you also file a report with your local police.” As previously stated without a copy of the police report requested, no additional handling will be completed. Ms. [redacted] may fax a copy of the report to our Fraud Department at ###-###-#### or by email to [email protected], or by mail to [redacted]. St. Cloud, MN. 56303. If Ms. [redacted] has further questions she may contact our Fraud Department at ###-###-####, Monday – Friday, 8:00 AM – 6:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted]Executive Care TeamVF/bw
CONFIDENTIAL COMMUNICATION August 12, 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 further inquiry we received from Ms. [redacted]. Ms. [redacted] disagrees with our position, explained in detail in the previous response, to not refund the $30.00 down payment. She states it contradicts a letter from April 5, 2016 we sent indicating we would return the $30.00 down payment to her, which she can fax to us as proof. We agree a letter was sent to Ms. [redacted] on April 5, 2016, however, that letter did not indicate that the $30.00 down payment would be refunded to her. It notified that, although Ms. [redacted] had not “graduated” to a revolving account, she could try the FreshStart program again by placing a new order using the same account. We have no record of any other letters being sent Ms. [redacted] around that date. Ms. [redacted] may fax us the letter she is referencing at ###-###-####, Attn: Executive Care Group. At this time our position remains unchanged, as we were within our rights to apply that $30.00 as payment for the non-refundable shipping and handling charge Ms. [redacted] was responsible for per our return policy. Once we receive and review the letter in question, we can consider her request for a refund and will notify Ms. [redacted] directly of our decision. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION June 21, 2017 ...⇄ ...
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. Please see attached letter(s) of response as it exceeds the 2,000 max character count.
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 would only ask that in the future I wouldn't have to go to these lengths to get an answer confirming what happens with my account.
Good morning, I spoke with the customer and was provided with an email showing account should have been cancelled wit the date of May [redacted]. We issued an order to do just that and once the account goes final and the adjustments take place, I can work on getting the refund amount sent to the...
customer. The account takes 1 to 2 billing cycles to go final.