I spoke to [redacted] on 1/**/18. I advised per his previous discussion, Verizon will allow the change of the business accounts to residential accounts as he requested. I advised that Verizon would waive the early termination fee (ETF) when disconnecting the business accounts but the...
residential accounts will be placed in a 2 year term agreement; or he can retain the business accounts with the two-year agreement that was originally accepted. [redacted] alleges that a former employee who did not understand what he was agreeing to, authorized the term agreements and therefore, the accounts should be removed from the term agreements and placed in month to month accounts. The customer was sent order confirmation emails confirming the accounts were business accounts and in two-year agreements and signed off on the orders to place the business accounts in a two-year agreement. Verizon will not waive the ETFs on the accounts if placed in month o month accounts. [redacted] was not satisfied with the resolution.
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he purchased a PS4 and was credited for both the merchandise and the shipping/handling. Mr. [redacted] states he also purchased an XBOX with Gears of War Bundle. He was credited for the merchandise but was required to pay for the shipping/handling. Mr. [redacted]’s desired result is to have the shipping and handling for the XBOX credited to his account and for us to send him a replacement XBOX Bundle System. Our records indicate Mr. [redacted] purchased a Sony PS4 500GB Console Bundle with Star Wars Battlefront Game Voucher and 4 Star Wars Classics Game on January 18, 2016. The total price of the merchandise was $479.99. Mr. [redacted] redeemed the promotion code FREESHIP with his order. This provided his purchase with free shipping. Mr. [redacted] returned this product to Fingerhut and credit for the full merchandise price $479.99 was credited to his account on February 8, 2016. Mr. [redacted] was not charged a return shipping fee for this item. On February 9, 2016 Mr. [redacted] purchased an XBOX One 500GB Console & Gears of War: Ultimate Edition Download Code Bundle. We received this item as a return from Mr. [redacted] on March 7, 2016. $446.04 was credited on that same date for the full merchandise price. As our return policy states, “the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error.” Therefore, Mr. [redacted] was required to pay for the original shipping/handling of $20.99. Mr. [redacted]’s reason for the return was “price/value.” Since this is a “non-qualifying” return reason, Mr. [redacted] was charged $23.95 for a return shipping fee. Mr. [redacted] requested to close his account on March 13, 2016. If Mr. [redacted]’s account was not paid in full when he closed it, his outstanding balances will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement. As of March 13, 2016 Mr. [redacted] is not able to use his Account for any future purchases. If Mr. [redacted] wishes to order in the future, we accept Visa, MasterCard, Discover and American Express At this time Mr. [redacted]’s current balance is $113.17. A minimum payment of $54.97 is due by May 27, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
(The consumer indicated he/she DID NOT accept the response from the business.)
[redacted]See attached documents.
I have seen no credit issued on my accounts for the $27.12 or $37.00 late fees which are not accurate and I consider to be false. If credit has been issued for these then I do not owe them. I have paid every bill each month on or before due date - my last payment for March was made/send out on March 15th with the due date being March 24th - I paid the amount due less the false late fees so my account should reflect that all payments are current and up to date once they post the payment to my account which normally for the last 3 years has taken 2-3 days for them to receive. Until they remove the fees from my account and show that I do not owe them and remove them from future payments I will not consider this response / action adequate. If they have credited my account then I simply to not woe those charges and they should not still be trying to collect them from me. If this continues on to being unresolved to my satisfaction I will contact an attorney and go forward from there with legal action against them. (FingerhutDocs.pdf)
Please be advised Verizon placed an order to disconnect the services after [redacted] confirmed via email that he no longer wanted Verizon services. The order was placed September *, 2015 and will credit for services back to August **, 2015 (date of installation) on the final bill. A manual credit was applied for the connection fees as well. This will negate all charges for the account. We trust this provides your office with the information required in this matter. Thank you, Ms. MorseSr. AnalystVerizon Executive Relations
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 COMMUNICATIONMay 4, 2016Revdex.com of Minnesota �...⇄ Attn: [redacted]220 S. River Ridge CircleBurnsville, MN 55337Re: [redacted]Case #: [redacted]Dear Ms. [redacted],I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Gettington Credit Account. Ms. [redacted] states she does not accept Gettington’s previous response dated April 19, 2016 because she doesn’t believe Gettington tried to reach her by phone. Ms. [redacted] also states Gettington’s terms are unjust because she made a payment before February 22, 2016, yet Gettington reported her delinquent when her husband reversed the payment in March 2016. Ms. [redacted] states she will be closing her account. As stated in our previous response, Ms. [redacted] made a payment for $616.23 on February 8, 2016 which was reversed by her bank on March 23, 2016. If a payment is reversed, it is the equivalent of having never been received. The February 8, 2016 payment was reversed, therefore, there was no permanent payment secured by February 22, 2016. When the payment reversed, Ms. [redacted]’s Gettington account was considered delinquent as of February 23, 2016. The reporting date on Ms. [redacted]’s account is the twenty-sixth each month. On March 26, 2016, no payment had been received for February 22, 2016 or March 22, 2016, so the account was reported thirty days delinquent. The day after the payment was reversed, March 24, 2016, Gettington attempted to contact Ms. [redacted] at each of the three numbers on her account. According to our records, Gettington dialed the number ###-###-#### at 9:49am and the number ###-###-#### at 12:45pm pm on March 24, 2016. Ms. [redacted] states the third number on her account is no longer her phone number.According to an account review on April 13, 2016, the bureaus are reporting 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 Ms. [redacted]’s terms and conditions which states:“We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report.”If Ms. [redacted] still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard Time.If Ms. [redacted] would like to close her account she may contact us at ###-###-#### for assistance.Thank you for allowing us to explain.Sincerely,Kari [redacted]Executive Care TeamKD/lg
Upon receipt of this complaint we made attempts to contact; leaving messages. We wanted to advise [redacted] that because the card that was used was a prepaid card the reversal will be processed as a paper refund check was requested on 8-**-15.
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate Mr. [redacted] purchased an alcove Jacqueline Comforter Set + Free Sheet Set – Queen on March 18, 2016. On March 20, 2016 Mr. [redacted] requested to cancel this order. At that time the item had already shipped, however Mr. [redacted] was told he could return the unopened shipment and the order would be handled as a return. On March 28, 2016 Mr. [redacted] contacted Fingerhut stating he had refused the delivery and the item was being returned. When Mr. [redacted] contacted Fingerhut on April 13, 2016, we still had not received the item as a return and a legal affidavit was sent to Mr. [redacted]. Mr. [redacted] was able to provide the USPS tracking number for this item and his account was credited the full amount of $95.23 on April 15, 2016. The current balance on his account is $0. We apologize for any inconvenience this may have caused Mr. [redacted]. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS [redacted]
CONFIDENTIAL COMMUNICATION August 12, 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. Ms. [redacted] states her mother opened a WebBank/Fingerhut account in her name, made no payments and the account was sold to [redacted]. Ms. [redacted] states she paid [redacted] and has received written confirmation the bill is paid. Ms. [redacted] further states she contacted Fingerhut requesting that they update their website to show the bill was paid, but was told there was no documentation that would make Fingerhut update the website or her credit report. Ms. [redacted] also states she is not eligible for another Fingerhut account. Ms. [redacted] is requesting to have her Fingerhut account report as paid or to have it deleted from her credit report. According to our research, an application for credit was processed online May 5, 2014 in the name [redacted]. Ms. [redacted] was approved with a credit limit of $600.00. Three orders were placed on May 5, 2014, May 14, 2014 and May 19, 2014. The merchandise was shipped to the same address as provided on the application. No payments were received on this account. The account charged off on December 12, 2014 with an unpaid balance of $456.23. The account was sold to [redacted] on January 15, 2015 at which time Fingerhut reported the account to the credit bureaus as “Purchased by Another Lender” with a balance and past due of zero. If Ms. [redacted] logs onto Fingerhut.com to view her account, the account information is still visible as Ms. [redacted] has the right to review it. The balance of $456.23 is accurate as that was the balance at the time the account was sold. Because Ms. [redacted]’s account charged off and was sold, at this time, she is not eligible for another Fingerhut credit account. According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line. 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] has further questions regarding her account, [redacted] can be reached directly at ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
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. Neither my husband,...
or I's voicemail is full. We have not received any form of communication from Verizon regarding this matter. Nothing has been resolved.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION April 18, 2016 ...⇄ #[redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] –[redacted], [redacted] I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Gettington Credit Account. We understand Mr. [redacted] disputes making the payment with an agent from our Billing/Recovery Department; however, our records do not support this. As part of our in depth review of Mr. [redacted]’s account a review of the call recording from March 16, 2016 confirms that Mr. [redacted] authorized a scheduled payment of $160.30 to be processed on March 24, 2016. As stated previously a refund for $160.30 was completed on March 29, 2016 per Mr. [redacted]’s request. As we have provided all the information available to us, we respectfully consider this matter closed. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw �...⇄ CONFIDENTIAL COMMUNICATIONApril 18, 2016 #[redacted]Revdex.com of MinnesotaAttn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] –[redacted], [redacted] I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Gettington Credit Account. We understand Mr. [redacted] disputes making the payment with an agent from our Billing/Recovery Department; however, our records do not support this. As part of our in depth review of Mr. [redacted]’s account a review of the call recording from March 16, 2016 confirms that Mr. [redacted] authorized a scheduled payment of $160.30 to be processed on March 24, 2016. As stated previously a refund for $160.30 was completed on March 29, 2016 per Mr. [redacted]’s request. As we have provided all the information available to us, we respectfully consider this matter closed. Thank you for allowing us to explain. Sincerely,Vi [redacted]Executive Care TeamVF/bw
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Mr. [redacted]’s letter, he expresses concern regarding notifications received, stating that he had credit available for making purchases. He states that when he used this credit, Mr. [redacted] ended up going over his credit limit. Mr. [redacted] is claiming we sent false information regarding his open to buy and requested to have his account closed. After reviewing Mr. [redacted]’s account, we show an available credit of $237.81 was available on December 3, 2016. An order was placed by Mr. [redacted] for $189.94. Only the first item shipped on this order before another order was placed. When Mr. [redacted] placed the second order in the amount of $170.96 on December 8, 2016, he then had an available credit of $188.83. The price of the merchandise is deducted from the available credit as the items ship. If an item is not at a shipped status, it will not be deducted from the available credit. After all items shipped, the price of the merchandise was deducted, leaving a total balance due of $991.07. This is $91.07 over his credit limit of $900.00. As with any revolving credit account, it is the customer's responsibility to check how much available credit is available to them before making any purchases, including confirming if previously made purchases have yet posted to the account. Please note that per the terms and conditions of our credit accounts, while we do not charge overlimit fees, we may report an account as overlimit to the credit bureaus. Whether or not this type of report would negatively impact a person’s credit score is dependent upon that individual’s credit history. Mr. [redacted] may bring his balance down below his credit limit by making a payment that is larger than the minimum amount due on his billing statement. Upon researching Mr. [redacted]’s complaint, we have determined that the scheduled payment he has in place to make his monthly payment will no longer satisfy the minimum amount due. Mr. [redacted]’s payment schedule is set to make a payment of $46.99 on January 9, 2017. Due to these recent purchases, his new minimum payment due will be $59.99. Mr. [redacted] may update his payment schedule either by visiting our website, or by calling our customer service office at the number listed below. When Mr. [redacted] spoke to our representative on December 14, 2016, he requested his account be closed. Unfortunately, per our policy, we are unable to close a customer's account without proper verification and authorization, which the agent could not obtain in this instance, as Mr. [redacted] hung up before the agent could complete that action. Due to this, Mr. [redacted]’s account is still open. If he would like to still cancel the account, we recommend he call our Customer Service office at ###-###-#### between the hours of 8:00 A.M. and 8:00 P.M, Monday through Friday Central Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/AH
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 called in to cancel service and was told by Verizon agent that instead of cancelling the service now and paying ETFs, they can suspend it till contract ends so I will not have to pay any cancellation fees. Verizon agent misinformed me and I was never told about service will reactivate on its own. How can Verizon charge me for service when it doesn't exist. Also when I received a bill in March 2015, I called Verizon customer service again and was told by the agent that they billed me by error and I will get all service fees waived. Not once was I told that I will be charged cancellation fees. I would like Verizon to send me audio recording where an agent states that my march bill will not be refunded and I will be charged ETF. Business should take responsibility for information their customer service reps are informing their customers.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Upon receipt of the complaint, a message was left on the customer's voice mail on May **, 2017. The issues were referred to the appropriate departments and will be addressed internally. Our records show the order was started on-line and in May, the customer placed an order for a...
Network Extender. Actual speeds vary due to device limits, network and other factor A recurring credit for 12 months was added to the account and a one time credit was issued due to the missed technician dispatch. An email was sent to the address provided on the complaint, advising the customer of the actions taken to resolve the issue.
The case was sent to the business office for review. Records do show receipt of the equipment in question.On 2/**/18, a specialist spoke with the customer and advised that credit has been issued for all charges billed as of 2/**/18 and confirmed a zero balance. It was confirmed that no outside...
collection activity had taken place on the account.The customer is satisfied with this resolution.
We spoke with the customer to advise we are in receipt of the complaint. According to our records, the last payment received was in June 2014. Service was disconnected due to non-payment on October *, 2014. There are no notes showing the customer called requesting to disconnect the...
service. The customer was billed an Early Termination Fee and Unreturned Equipment Charges. The equipment was returned and inventoried and the customer was credited for the Unreturned Equipment Charges. The final bill charges are for the months of June, August, September and October and the Early Termination Fee. This information was explained to the customer. The customer will provide documentation showing the move out date. Upon receiving this information from the customer, the account will be discussed with the customer to determine the outcome. The customer has our contact information for future reference.
CONFIDENTIAL COMMUNICATION March 24, 2017 Better Business...
Bureau of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry, she states that she paid this account in full online by a check card. On March 6, 2017 she contacted Fingerhut to close the account, cancel recurring payments, and to get a refund for an overpayment of $21.46. Ms. [redacted] states she contacted Fingerhut multiple times to resolve this issue, during one of the telephone calls, Ms. [redacted] states she was denied a supervisor multiple times. Ms. [redacted] states that one of her payments of $600.00 was canceled, but her account showed that the payment had cleared. Ms. [redacted] states a non-authorized payment of $21.46 was showing on her online Fingerhut account. Ms. [redacted]’s desired resolution is to be refunded the money owed, confirmation of her account being closed, and that further scheduled payments cannot be taken from her personal account. We apologize if the interactions Ms. [redacted] had with our representatives fell short of her expectations, as we strive to provide quality customer service to our customers. On March 6, 2017, Ms. [redacted] telephoned our company and spoke with a representative regarding the closing of her account and a refund from the overpayment of $21.46 that was made on her account. The representative notified Ms. [redacted] that her WebBank/Fingerhut Advantage Credit Account was closed. Ms. [redacted] was also notified that due to the account being paid by a debit card, a request would need to be submitted to a specialist to process the refund, and the refund would take 3-5 business days to process. Ms. [redacted] then said “Okay, thank you,” at which time, the call ended. On March 13, 2017, Ms. [redacted] contacted our company on 3 separate occasions, inquiring why the refund was not processed to her personal account. Ms. [redacted] was then transferred to a supervisor on her third call. During the call, Ms. [redacted] was upset the $21.46 showed as a canceled payment on her online summary, and not refunded back to her account. Ms. [redacted] then also stated her $600.00 payment showed canceled online, but in fact had cleared her personal account. The supervisor attempted to resolve this matter. Ms. [redacted] at which time, requested to speak to a manager, as she stated during the call that she was not given any new information. According to our records, Ms. [redacted] had previously scheduled a recurring payment on the third day of each month in the amount of $101.00 from her Checking/Savings Account ending in # [redacted]. This recurring payment was disabled on March 13, 2017. On March 3, 2017, Ms. [redacted]’s account balance was $1,679.54, and the scheduled payment of $101.00 was applied to her account making her balance $1,578.54. Ms. [redacted] then made a payment of $1,000.00, on March 4, 2017, bringing her account balance to $578.54. On March 4, 2017, Ms. [redacted] made an additional payment of $600.00 on the website. Ms. [redacted] stated she showed the payment of $600.00 canceled but also clearing her bank. When a customer makes a payment online they are required to enter specific information regarding the account being used. If a customer enters the incorrect information, an error will be shown. Anytime a payment is submitted using a debit card or credit card, this creates an instant authorization, which is a systematic check to ensure the account is available. Our records indicate the first submission made by Ms. [redacted] was denied as an elapsed expiration date. This would have caused Ms. [redacted]’s online account information to show the canceled $600.00 payment. When Ms. [redacted] corrected the error and submitted the information, the payment was authorized and cleared. Ms. [redacted] owed $578.54, when the payment of $600.00 was applied. This created an overpayment of $21.46. Due to Ms. [redacted] requesting a refund to her debit card, a payment reversal of $21.46 was processed on March 5, 2017, to her account, so the refund could be applied to her personal debit account. Records show there was no attempt made to withdraw $21.46 from Ms. [redacted]’s bank account. All records show Ms. [redacted] has brought her account to a $0.00 balance and will be reported accordingly. If Ms. [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:00 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
CONFIDENTIAL COMMUNICATION July 25, 2017 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 response to the inquiry we received from your office regarding a WebBank/Fingerhut FreshStart Credit Account for Mr. [redacted]. Mr. [redacted] states he returned a defective vacuum, but had to pay out of pocket to do so. He was told he would be reimbursed, though Mr. [redacted] states he was later denied the reimbursement even after he sent in the return receipt as proof. Also, he wanted an exchange, but it was processed as a return; when he reordered the same item, it was priced higher. Mr. [redacted] requests we honor what he was told and reimburse the $30.25 return shipping he paid. Please see the full and detailed response in the attached letter. Sincerely, Vi [redacted]Executive Care TeamVF/ah
Dear Mediator,Upon receipt of this complaint, Verizon referred this matter to our Technical Support department. According to our records, [redacted] expressed concern about the update related to Verizon’s on-demand service. [redacted] states content that was once free are now chargeable. Upon...
review, Verizon communicated with [redacted] and walked him through the navigation of the on-demand service. [redacted] was satisfied with the explanation and expressed his understanding.
CONFIDENTIAL COMMUNICATION May 25, 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 a WebBank/Fingerhut credit account. We have included the account activity, credit application, Terms and Conditions and the last three monthly statements. Ms. [redacted] states that Fingerhut is reporting a credit account which is not hers. Ms. [redacted]’s desired resolution is to have trade line deleted from her credit report. Our records indicate that on February 15, 2007, an application was processed online with Ms. [redacted]’s personally identifiable information. On March 30, 2007 an order was placed with online for a 3 pc Pink Milano EVA Luggage. The merchandise was shipped April 2, 2007 via FedEx to the same address as provided on the application. The last order, totaling $44.94, was placed on August 30, 2011. We have received multiple payments on this account from checking accounts ending in 5883, 1372 and 0841. The name associated with all of the accounts is [redacted]. The last payment, totaling $22.99, was received on September 9, 2011. No further payments were received. The unpaid balance of $2320.31 charged off on March 13, 2012 and the account was sold to Midland Credit Management on January 31, 2013. Based on our research, we received four credit bureau disputes though the credit bureaus, since the account was sold, in which we responded directly to the bureaus on January 21 and 22, 2015, April 28 and May 2, 2016. Equifax and Trans Union are accurately reporting the account as Transferred/Sold or Purchased by Another Lender with a balance of zero. Nothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 2013. 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] has questions about what Midland Credit Management may be reporting, she must contact them directly at ###-###-####. We referred Ms. [redacted]’s correspondence to our Credit Risk Department for further review. In order to continue processing a claim of fraudulent account opening, we ask that she complete and return the unordered merchandise affidavit we have sent directly to [redacted], Las Vegas, Nevada 89144 on May 25, 2016. We also ask that Ms. [redacted] file a police report and send both copies to the following address: Fingerhut Attn: Fraud Department [redacted] St. Cloud, MN 56303 Ms. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account. Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation. If Ms. [redacted] has further questions or concerns during the process, she may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time. Thank you for the opportunity to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures
I spoke to [redacted] on 1/**/18. I advised per his previous discussion, Verizon will allow the change of the business accounts to residential accounts as he requested. I advised that Verizon would waive the early termination fee (ETF) when disconnecting the business accounts but the...
residential accounts will be placed in a 2 year term agreement; or he can retain the business accounts with the two-year agreement that was originally accepted. [redacted] alleges that a former employee who did not understand what he was agreeing to, authorized the term agreements and therefore, the accounts should be removed from the term agreements and placed in month to month accounts. The customer was sent order confirmation emails confirming the accounts were business accounts and in two-year agreements and signed off on the orders to place the business accounts in a two-year agreement. Verizon will not waive the ETFs on the accounts if placed in month o month accounts. [redacted] was not satisfied with the resolution.
CONFIDENTIAL COMMUNICATION May 26,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Mr. [redacted] states he purchased a PS4 and was credited for both the merchandise and the shipping/handling. Mr. [redacted] states he also purchased an XBOX with Gears of War Bundle. He was credited for the merchandise but was required to pay for the shipping/handling. Mr. [redacted]’s desired result is to have the shipping and handling for the XBOX credited to his account and for us to send him a replacement XBOX Bundle System. Our records indicate Mr. [redacted] purchased a Sony PS4 500GB Console Bundle with Star Wars Battlefront Game Voucher and 4 Star Wars Classics Game on January 18, 2016. The total price of the merchandise was $479.99. Mr. [redacted] redeemed the promotion code FREESHIP with his order. This provided his purchase with free shipping. Mr. [redacted] returned this product to Fingerhut and credit for the full merchandise price $479.99 was credited to his account on February 8, 2016. Mr. [redacted] was not charged a return shipping fee for this item. On February 9, 2016 Mr. [redacted] purchased an XBOX One 500GB Console & Gears of War: Ultimate Edition Download Code Bundle. We received this item as a return from Mr. [redacted] on March 7, 2016. $446.04 was credited on that same date for the full merchandise price. As our return policy states, “the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error.” Therefore, Mr. [redacted] was required to pay for the original shipping/handling of $20.99. Mr. [redacted]’s reason for the return was “price/value.” Since this is a “non-qualifying” return reason, Mr. [redacted] was charged $23.95 for a return shipping fee. Mr. [redacted] requested to close his account on March 13, 2016. If Mr. [redacted]’s account was not paid in full when he closed it, his outstanding balances will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement. As of March 13, 2016 Mr. [redacted] is not able to use his Account for any future purchases. If Mr. [redacted] wishes to order in the future, we accept Visa, MasterCard, Discover and American Express At this time Mr. [redacted]’s current balance is $113.17. A minimum payment of $54.97 is due by May 27, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
(The consumer indicated he/she DID NOT accept the response from the business.)
[redacted]See attached documents.
I have seen no credit issued on my accounts for the $27.12 or $37.00 late fees which are not accurate and I consider to be false. If credit has been issued for these then I do not owe them. I have paid every bill each month on or before due date - my last payment for March was made/send out on March 15th with the due date being March 24th - I paid the amount due less the false late fees so my account should reflect that all payments are current and up to date once they post the payment to my account which normally for the last 3 years has taken 2-3 days for them to receive. Until they remove the fees from my account and show that I do not owe them and remove them from future payments I will not consider this response / action adequate. If they have credited my account then I simply to not woe those charges and they should not still be trying to collect them from me. If this continues on to being unresolved to my satisfaction I will contact an attorney and go forward from there with legal action against them. (FingerhutDocs.pdf)
Please be advised Verizon placed an order to disconnect the services after [redacted] confirmed via email that he no longer wanted Verizon services. The order was placed September *, 2015 and will credit for services back to August **, 2015 (date of installation) on the final bill. A manual credit was applied for the connection fees as well. This will negate all charges for the account. We trust this provides your office with the information required in this matter. Thank you, Ms. MorseSr. AnalystVerizon Executive Relations
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 COMMUNICATIONMay 4, 2016Revdex.com of Minnesota �...⇄ Attn: [redacted]220 S. River Ridge CircleBurnsville, MN 55337Re: [redacted]Case #: [redacted]Dear Ms. [redacted],I am writing in response to an additional inquiry received from your office on behalf of Ms. [redacted] regarding her WebBank/Gettington Credit Account. Ms. [redacted] states she does not accept Gettington’s previous response dated April 19, 2016 because she doesn’t believe Gettington tried to reach her by phone. Ms. [redacted] also states Gettington’s terms are unjust because she made a payment before February 22, 2016, yet Gettington reported her delinquent when her husband reversed the payment in March 2016. Ms. [redacted] states she will be closing her account. As stated in our previous response, Ms. [redacted] made a payment for $616.23 on February 8, 2016 which was reversed by her bank on March 23, 2016. If a payment is reversed, it is the equivalent of having never been received. The February 8, 2016 payment was reversed, therefore, there was no permanent payment secured by February 22, 2016. When the payment reversed, Ms. [redacted]’s Gettington account was considered delinquent as of February 23, 2016. The reporting date on Ms. [redacted]’s account is the twenty-sixth each month. On March 26, 2016, no payment had been received for February 22, 2016 or March 22, 2016, so the account was reported thirty days delinquent. The day after the payment was reversed, March 24, 2016, Gettington attempted to contact Ms. [redacted] at each of the three numbers on her account. According to our records, Gettington dialed the number ###-###-#### at 9:49am and the number ###-###-#### at 12:45pm pm on March 24, 2016. Ms. [redacted] states the third number on her account is no longer her phone number.According to an account review on April 13, 2016, the bureaus are reporting 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 Ms. [redacted]’s terms and conditions which states:“We may report information about your Account to credit bureaus. Late payments, missed payments, or other defaults on your Account may be reflected in your credit report.”If Ms. [redacted] still has questions about her account regarding what has or has not been reported to the credit bureaus, please contact us by calling toll-free at ###-###-####, Monday through Friday 9:00am to 6:00pm Central Standard Time.If Ms. [redacted] would like to close her account she may contact us at ###-###-#### for assistance.Thank you for allowing us to explain.Sincerely,Kari [redacted]Executive Care TeamKD/lg
Upon receipt of this complaint we made attempts to contact; leaving messages. We wanted to advise [redacted] that because the card that was used was a prepaid card the reversal will be processed as a paper refund check was requested on 8-**-15.
CONFIDENTIAL COMMUNICATION April 22,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate Mr. [redacted] purchased an alcove Jacqueline Comforter Set + Free Sheet Set – Queen on March 18, 2016. On March 20, 2016 Mr. [redacted] requested to cancel this order. At that time the item had already shipped, however Mr. [redacted] was told he could return the unopened shipment and the order would be handled as a return. On March 28, 2016 Mr. [redacted] contacted Fingerhut stating he had refused the delivery and the item was being returned. When Mr. [redacted] contacted Fingerhut on April 13, 2016, we still had not received the item as a return and a legal affidavit was sent to Mr. [redacted]. Mr. [redacted] was able to provide the USPS tracking number for this item and his account was credited the full amount of $95.23 on April 15, 2016. The current balance on his account is $0. We apologize for any inconvenience this may have caused Mr. [redacted]. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS [redacted]
CONFIDENTIAL COMMUNICATION August 12, 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. Ms. [redacted] states her mother opened a WebBank/Fingerhut account in her name, made no payments and the account was sold to [redacted]. Ms. [redacted] states she paid [redacted] and has received written confirmation the bill is paid. Ms. [redacted] further states she contacted Fingerhut requesting that they update their website to show the bill was paid, but was told there was no documentation that would make Fingerhut update the website or her credit report. Ms. [redacted] also states she is not eligible for another Fingerhut account. Ms. [redacted] is requesting to have her Fingerhut account report as paid or to have it deleted from her credit report. According to our research, an application for credit was processed online May 5, 2014 in the name [redacted]. Ms. [redacted] was approved with a credit limit of $600.00. Three orders were placed on May 5, 2014, May 14, 2014 and May 19, 2014. The merchandise was shipped to the same address as provided on the application. No payments were received on this account. The account charged off on December 12, 2014 with an unpaid balance of $456.23. The account was sold to [redacted] on January 15, 2015 at which time Fingerhut reported the account to the credit bureaus as “Purchased by Another Lender” with a balance and past due of zero. If Ms. [redacted] logs onto Fingerhut.com to view her account, the account information is still visible as Ms. [redacted] has the right to review it. The balance of $456.23 is accurate as that was the balance at the time the account was sold. Because Ms. [redacted]’s account charged off and was sold, at this time, she is not eligible for another Fingerhut credit account. According to an account review on August 9, 2016, Equifax and Experian are reporting Ms. [redacted]’s account accurately as Purchased by Another Lender or Transfer/Sold with a balance and past due of zero. A representative at Trans Union confirmed that they have deleted the Fingerhut trade line. 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] has further questions regarding her account, [redacted] can be reached directly at ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/lg
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. Neither my husband,...
or I's voicemail is full. We have not received any form of communication from Verizon regarding this matter. Nothing has been resolved.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION April 18, 2016 ...⇄ #[redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] –[redacted], [redacted] I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Gettington Credit Account. We understand Mr. [redacted] disputes making the payment with an agent from our Billing/Recovery Department; however, our records do not support this. As part of our in depth review of Mr. [redacted]’s account a review of the call recording from March 16, 2016 confirms that Mr. [redacted] authorized a scheduled payment of $160.30 to be processed on March 24, 2016. As stated previously a refund for $160.30 was completed on March 29, 2016 per Mr. [redacted]’s request. As we have provided all the information available to us, we respectfully consider this matter closed. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw �...⇄ CONFIDENTIAL COMMUNICATIONApril 18, 2016 #[redacted]Revdex.com of MinnesotaAttn: [redacted]220 S River Ridge CircleBurnsville, MN 55337 Re: Case # [redacted] –[redacted], [redacted] I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Gettington Credit Account. We understand Mr. [redacted] disputes making the payment with an agent from our Billing/Recovery Department; however, our records do not support this. As part of our in depth review of Mr. [redacted]’s account a review of the call recording from March 16, 2016 confirms that Mr. [redacted] authorized a scheduled payment of $160.30 to be processed on March 24, 2016. As stated previously a refund for $160.30 was completed on March 29, 2016 per Mr. [redacted]’s request. As we have provided all the information available to us, we respectfully consider this matter closed. Thank you for allowing us to explain. Sincerely,Vi [redacted]Executive Care TeamVF/bw
CONFIDENTIAL COMMUNICATION December 29,...
2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Mr. [redacted]’s letter, he expresses concern regarding notifications received, stating that he had credit available for making purchases. He states that when he used this credit, Mr. [redacted] ended up going over his credit limit. Mr. [redacted] is claiming we sent false information regarding his open to buy and requested to have his account closed. After reviewing Mr. [redacted]’s account, we show an available credit of $237.81 was available on December 3, 2016. An order was placed by Mr. [redacted] for $189.94. Only the first item shipped on this order before another order was placed. When Mr. [redacted] placed the second order in the amount of $170.96 on December 8, 2016, he then had an available credit of $188.83. The price of the merchandise is deducted from the available credit as the items ship. If an item is not at a shipped status, it will not be deducted from the available credit. After all items shipped, the price of the merchandise was deducted, leaving a total balance due of $991.07. This is $91.07 over his credit limit of $900.00. As with any revolving credit account, it is the customer's responsibility to check how much available credit is available to them before making any purchases, including confirming if previously made purchases have yet posted to the account. Please note that per the terms and conditions of our credit accounts, while we do not charge overlimit fees, we may report an account as overlimit to the credit bureaus. Whether or not this type of report would negatively impact a person’s credit score is dependent upon that individual’s credit history. Mr. [redacted] may bring his balance down below his credit limit by making a payment that is larger than the minimum amount due on his billing statement. Upon researching Mr. [redacted]’s complaint, we have determined that the scheduled payment he has in place to make his monthly payment will no longer satisfy the minimum amount due. Mr. [redacted]’s payment schedule is set to make a payment of $46.99 on January 9, 2017. Due to these recent purchases, his new minimum payment due will be $59.99. Mr. [redacted] may update his payment schedule either by visiting our website, or by calling our customer service office at the number listed below. When Mr. [redacted] spoke to our representative on December 14, 2016, he requested his account be closed. Unfortunately, per our policy, we are unable to close a customer's account without proper verification and authorization, which the agent could not obtain in this instance, as Mr. [redacted] hung up before the agent could complete that action. Due to this, Mr. [redacted]’s account is still open. If he would like to still cancel the account, we recommend he call our Customer Service office at ###-###-#### between the hours of 8:00 A.M. and 8:00 P.M, Monday through Friday Central Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/AH
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 called in to cancel service and was told by Verizon agent that instead of cancelling the service now and paying ETFs, they can suspend it till contract ends so I will not have to pay any cancellation fees. Verizon agent misinformed me and I was never told about service will reactivate on its own. How can Verizon charge me for service when it doesn't exist. Also when I received a bill in March 2015, I called Verizon customer service again and was told by the agent that they billed me by error and I will get all service fees waived. Not once was I told that I will be charged cancellation fees. I would like Verizon to send me audio recording where an agent states that my march bill will not be refunded and I will be charged ETF. Business should take responsibility for information their customer service reps are informing their customers.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Upon receipt of the complaint, a message was left on the customer's voice mail on May **, 2017. The issues were referred to the appropriate departments and will be addressed internally. Our records show the order was started on-line and in May, the customer placed an order for a...
Network Extender. Actual speeds vary due to device limits, network and other factor A recurring credit for 12 months was added to the account and a one time credit was issued due to the missed technician dispatch. An email was sent to the address provided on the complaint, advising the customer of the actions taken to resolve the issue.
The case was sent to the business office for review. Records do show receipt of the equipment in question.On 2/**/18, a specialist spoke with the customer and advised that credit has been issued for all charges billed as of 2/**/18 and confirmed a zero balance. It was confirmed that no outside...
collection activity had taken place on the account.The customer is satisfied with this resolution.
We spoke with the customer to advise we are in receipt of the complaint. According to our records, the last payment received was in June 2014. Service was disconnected due to non-payment on October *, 2014. There are no notes showing the customer called requesting to disconnect the...
service. The customer was billed an Early Termination Fee and Unreturned Equipment Charges. The equipment was returned and inventoried and the customer was credited for the Unreturned Equipment Charges. The final bill charges are for the months of June, August, September and October and the Early Termination Fee. This information was explained to the customer. The customer will provide documentation showing the move out date. Upon receiving this information from the customer, the account will be discussed with the customer to determine the outcome. The customer has our contact information for future reference.
CONFIDENTIAL COMMUNICATION March 24, 2017 Better Business...
Bureau of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry, she states that she paid this account in full online by a check card. On March 6, 2017 she contacted Fingerhut to close the account, cancel recurring payments, and to get a refund for an overpayment of $21.46. Ms. [redacted] states she contacted Fingerhut multiple times to resolve this issue, during one of the telephone calls, Ms. [redacted] states she was denied a supervisor multiple times. Ms. [redacted] states that one of her payments of $600.00 was canceled, but her account showed that the payment had cleared. Ms. [redacted] states a non-authorized payment of $21.46 was showing on her online Fingerhut account. Ms. [redacted]’s desired resolution is to be refunded the money owed, confirmation of her account being closed, and that further scheduled payments cannot be taken from her personal account. We apologize if the interactions Ms. [redacted] had with our representatives fell short of her expectations, as we strive to provide quality customer service to our customers. On March 6, 2017, Ms. [redacted] telephoned our company and spoke with a representative regarding the closing of her account and a refund from the overpayment of $21.46 that was made on her account. The representative notified Ms. [redacted] that her WebBank/Fingerhut Advantage Credit Account was closed. Ms. [redacted] was also notified that due to the account being paid by a debit card, a request would need to be submitted to a specialist to process the refund, and the refund would take 3-5 business days to process. Ms. [redacted] then said “Okay, thank you,” at which time, the call ended. On March 13, 2017, Ms. [redacted] contacted our company on 3 separate occasions, inquiring why the refund was not processed to her personal account. Ms. [redacted] was then transferred to a supervisor on her third call. During the call, Ms. [redacted] was upset the $21.46 showed as a canceled payment on her online summary, and not refunded back to her account. Ms. [redacted] then also stated her $600.00 payment showed canceled online, but in fact had cleared her personal account. The supervisor attempted to resolve this matter. Ms. [redacted] at which time, requested to speak to a manager, as she stated during the call that she was not given any new information. According to our records, Ms. [redacted] had previously scheduled a recurring payment on the third day of each month in the amount of $101.00 from her Checking/Savings Account ending in # [redacted]. This recurring payment was disabled on March 13, 2017. On March 3, 2017, Ms. [redacted]’s account balance was $1,679.54, and the scheduled payment of $101.00 was applied to her account making her balance $1,578.54. Ms. [redacted] then made a payment of $1,000.00, on March 4, 2017, bringing her account balance to $578.54. On March 4, 2017, Ms. [redacted] made an additional payment of $600.00 on the website. Ms. [redacted] stated she showed the payment of $600.00 canceled but also clearing her bank. When a customer makes a payment online they are required to enter specific information regarding the account being used. If a customer enters the incorrect information, an error will be shown. Anytime a payment is submitted using a debit card or credit card, this creates an instant authorization, which is a systematic check to ensure the account is available. Our records indicate the first submission made by Ms. [redacted] was denied as an elapsed expiration date. This would have caused Ms. [redacted]’s online account information to show the canceled $600.00 payment. When Ms. [redacted] corrected the error and submitted the information, the payment was authorized and cleared. Ms. [redacted] owed $578.54, when the payment of $600.00 was applied. This created an overpayment of $21.46. Due to Ms. [redacted] requesting a refund to her debit card, a payment reversal of $21.46 was processed on March 5, 2017, to her account, so the refund could be applied to her personal debit account. Records show there was no attempt made to withdraw $21.46 from Ms. [redacted]’s bank account. All records show Ms. [redacted] has brought her account to a $0.00 balance and will be reported accordingly. If Ms. [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:00 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
CONFIDENTIAL COMMUNICATION July 25, 2017 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 response to the inquiry we received from your office regarding a WebBank/Fingerhut FreshStart Credit Account for Mr. [redacted]. Mr. [redacted] states he returned a defective vacuum, but had to pay out of pocket to do so. He was told he would be reimbursed, though Mr. [redacted] states he was later denied the reimbursement even after he sent in the return receipt as proof. Also, he wanted an exchange, but it was processed as a return; when he reordered the same item, it was priced higher. Mr. [redacted] requests we honor what he was told and reimburse the $30.25 return shipping he paid. Please see the full and detailed response in the attached letter. Sincerely, Vi [redacted]Executive Care TeamVF/ah
Dear Mediator,Upon receipt of this complaint, Verizon referred this matter to our Technical Support department. According to our records, [redacted] expressed concern about the update related to Verizon’s on-demand service. [redacted] states content that was once free are now chargeable. Upon...
review, Verizon communicated with [redacted] and walked him through the navigation of the on-demand service. [redacted] was satisfied with the explanation and expressed his understanding.
CONFIDENTIAL COMMUNICATION May 25, 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 a WebBank/Fingerhut credit account. We have included the account activity, credit application, Terms and Conditions and the last three monthly statements. Ms. [redacted] states that Fingerhut is reporting a credit account which is not hers. Ms. [redacted]’s desired resolution is to have trade line deleted from her credit report. Our records indicate that on February 15, 2007, an application was processed online with Ms. [redacted]’s personally identifiable information. On March 30, 2007 an order was placed with online for a 3 pc Pink Milano EVA Luggage. The merchandise was shipped April 2, 2007 via FedEx to the same address as provided on the application. The last order, totaling $44.94, was placed on August 30, 2011. We have received multiple payments on this account from checking accounts ending in 5883, 1372 and 0841. The name associated with all of the accounts is [redacted]. The last payment, totaling $22.99, was received on September 9, 2011. No further payments were received. The unpaid balance of $2320.31 charged off on March 13, 2012 and the account was sold to Midland Credit Management on January 31, 2013. Based on our research, we received four credit bureau disputes though the credit bureaus, since the account was sold, in which we responded directly to the bureaus on January 21 and 22, 2015, April 28 and May 2, 2016. Equifax and Trans Union are accurately reporting the account as Transferred/Sold or Purchased by Another Lender with a balance of zero. Nothing is reporting to Experian, as Fingerhut did not begin reporting to Experian until October 2013. 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] has questions about what Midland Credit Management may be reporting, she must contact them directly at ###-###-####. We referred Ms. [redacted]’s correspondence to our Credit Risk Department for further review. In order to continue processing a claim of fraudulent account opening, we ask that she complete and return the unordered merchandise affidavit we have sent directly to [redacted], Las Vegas, Nevada 89144 on May 25, 2016. We also ask that Ms. [redacted] file a police report and send both copies to the following address: Fingerhut Attn: Fraud Department [redacted] St. Cloud, MN 56303 Ms. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account. Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation. If Ms. [redacted] has further questions or concerns during the process, she may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time. Thank you for the opportunity to explain. Sincerely, Kari [redacted] Executive Care Team KD/sa Enclosures