I am rejecting this response because:
I understand that I have late fees on the account but I agreed on March or April for my payments automatic monthly payment to be taken out monthly so they can be paid on time and not get reported for being late and they never took out the payments from my account. I have a 30 day past due in my credit report because of them not putting me on monthly automatic withdrawal when I agreed to do so. They said that they have all calls recorded then they should check the last time I called them and they will see I did agreed to get my payments off every month
Initial Business Response /* (1000, 5, 2015/07/06) */
CONFIDENTIAL COMMUNICATION
July 2, 2015
Revdex.com of Minnesota Account #: [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements.
Mr. [redacted] states in his complaint that he is receiving up to five calls per day on an account that Mr. [redacted] says is current. Mr. [redacted]'s desired resolution is for the calls to cease.
Based on our research, an account was opened with a representative on May 4, 2012 using Mr. [redacted]'s name and social security number when an order was placed for a Rachael Ray 10pc Hard Anodized Cookware Set. The merchandise was shipped via FedEx Home on May 8, 2012 to the same address as listed in the complaint.
Our records indicate that a recent payment of $40.00 received on May 31, 2015 did not satisfy the minimum payment due of $46.99 by June 11, 2015. This left a past due balance of $6.99.
Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Mr. [redacted]'s account is in a current status. Thank you for your most recent payment of $40.00 on July 1, 2015.
To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a remaining minimum payment of $26.98 is due by July 11, 2015.
If Mr. [redacted] wishes 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 Mr. [redacted]'s 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.
Mr. [redacted]'s 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 Mr. [redacted]'s account is still subject to the original terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
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:
It does not make any sense that someone will send two #300 gift cards for the promotion and claim that I have used one. This resolution is not acceptable. There is no company that will send two different gift cards. Can Verizon provide a proof that it sends two gift cards to its recipients?Verizon should look at the recording of the calls that I have made to them regarding the $300 [redacted] gift card that they sent without the pin number and find out if Verizon is at fault or the gift card company that they work with. I would urge Verizon to fix the tracking system and stop agitating end users.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
I am rejecting this response because: this is a sick way of getting some money out of low income client. there is noway I should owe 53. plus dollars for returning they stuff and i'm asking you please don't let them get away with this. I will not pay them on dime.
2017 ...⇄ # [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 PayCheck Direct Account. Ms. [redacted] states she cancelled an order when she would not be receiving the merchandise before Christmas. She states she has contacted PayCheck Direct but has not received a refund from the canceled order. Ms. [redacted] would like to have her payment in the amount of $22.39 refunded. Our records indicate Ms. [redacted] placed an order for a McLeland Design 4" Gel Memory Foam Topper – King, a George Foreman 200 sq. in. Indoor/Outdoor Grill, an XBOX One Dragon Ball Xenoverse, and a Ginsu Koden Series 14-Pc. Cutlery Set on December 7, 2016. The payment in the amount of $22.39 on December 7, 2016 was successfully processed. As we have stated in a previous letter, Ms. [redacted]’s order was canceled on December 14, 2016. A refund for the payment of $22.39 was mailed on February 22, 2017. Ms. [redacted] should allow 7-10 business days to receive this refund. If Ms. [redacted] has any additional questions she may contact PayCheck Direct Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
On 1/**/18, Verizon Appeals Billing Representative spoke with [redacted] wanted confirmation that Verizon will honor his contract expiration date of 9/**/2018. He stated he spoke with a supervisor on 1/**/18 and was advised Verizon will honor that date. The supervisor spoke with [redacted] who...
was calling about a change in his contract, he saw online that his contract terms extended until 11/2019 when he never rebundled or changed his terms. The account records reflect on 11/**/17, [redacted] did upgrade his service to 75/75 for same price keeping same contract terms. The customer did not keep the 75/75 however and never rebundled into a new contract. The customer was advised that Verizon would cancel the new contract at the end of original contract discounts which is 09/2018. The customer was advised he can cancel services after 9/**/2018 without an Early Termination Fee.
A Specialist was able to reach the customer on February [redacted] to discuss what happened when she renewed her bundle on January [redacted]. The Specialist spoke with the customer and she stated she didn’t request a change to her television line-up when she renewed. The Specialist explained that is...
why her bundle rate is $72.99 when it was previously $89.99 and her discounts were expiring January **, 2017. The Specialist spoke again with the customer on February [redacted] and issued an order to change the TV package while keeping her previous rate of $89.99. The Specialist also agreed to give an additional credit starting with the February bill till end of contract, January *, 2019, due to misinformation. She also issued a one-time bill credit. According to our records, a [redacted] gift card was not on the Simple Order Confirmation which was sent on January [redacted] when the order was placed, there were no notes stating the gift card nor was the an offer for a gift card with a triple play with local TV.
Dear Ms. [redacted]: I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matter. The complainant's facts are in dispute and erroneous. Any fee earned by my company was justly earned in accordance with a written contract between the parties. I have...
contacted and responded to the complainant in a similar fashion. Please contact me if you need any further information. Sincerely, CREDIT ADJUSTMENT BOARD, INC.
Initial Business Response /* (1000, 5, 2016/02/02) */
CONFIDENTIAL COMMUNICATION
February 1, 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 is a copy of the credit application for your records.
In Ms. [redacted]'s complaint, she states that Fingerhut is reporting a hard inquiry on her credit report from an August 2015 application she reported as fraudulent. Ms. [redacted]'s desired resolution is to have the hard inquiry removed from her credit bureau reporting.
Our records indicate an application for credit was processed online on September 1, 2015. We received notification on September 2, 2015, from Ms. [redacted], that this was an unauthorized application. The application was then denied and a notification to have the inquiry removed was sent to Equifax, Experian and Trans Union.
A confirmation letter dated September 2, 2015 was sent to Ms. [redacted] stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report.
The records further indicate on December 4, 2015, Ms. [redacted] contacted Fingerhut regarding the inquiry still showing on her credit report. That same day another notification to have the inquiry removed was sent to Equifax, Experian and Trans Union.
A second confirmation letter dated December 4, 2015 was sent to Ms. [redacted] stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report.
In the hope of assisting Ms. [redacted] further, we would request that she mail a copy of her credit reports showing the hard inquiry to:
Fingerhut
Attention: Executive Care Team/Collections
[redacted]
Saint Cloud, MN 56303
Or she may fax a copy to [redacted] Attention: Executive Care Team/Collections.
We appreciate Ms. [redacted]'s patience regarding this issue and apologize for any inconvenience.
If Ms. [redacted] still has questions about what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at [redacted], Monday through Friday 9:00am to 6:00pm Central Standard Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sa
Enclosure
Initial Consumer Rebuttal /* (3000, 7, 2016/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The inquiry still has not been removed from my account
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 because although my refund wasn't sent on the 16th like fingerhut stated, after I contacted my bank and fingerhut customer service, they finally issued Me a refund. I will never shop at finger hut again!
On 8/**/2016 Verizon Appeals Billing representative spoke with [redacted]. who was insisting that Verizon credit his Early Termination Fee (ETF) of $135.00, waive the $80.00 activation fee, and give him a rate of $49.99 for the entire 24 months. The representative advised [redacted] she would be willing to credit his ETF, but it has not yet appeared on a bill. Then [redacted] would only be responsible for the activation fee. The representative cannot give the customer an offer that doesn't exist, so the promo is $49.99 for months 1-12, then $59.99 for months 13-24. [redacted] asked if Verizon had a 1 year contract, and the representative advised is not offered. [redacted] said he will talk to the representative again when they credit the ETF on his bill. The representative will follow up next month to review his final bill and credit the ETF if billed. Joyce D[redacted]Verizon Executive Relations Sr. Analyst###-###-####
Subsequent to receipt of the complaint, I forwarded [redacted] concerns to our billing department for further review. A billing consultant was able to view the standard order of confirmation (“SOC”) preview sent to the customer regarding the $119 monthly recurring charge. This...
document shows a $20 discount to expire 1/**/18 and the $25 extended through 1/**/19 and a $30 extension through 1/**/19 and a $15 value credit for twelve (12) months. The representative sent the preview, noted and issued a follow-up. Consequently, the rates will be honored. The billing consultant spoke to [redacted] and advised she would issue the exception credits of $25/24 months and $15/12 months that are missing. The consultant was unable to add exception to honor the promised rate. Consequently, the consultant set recurring credits for $15/12 months to honor the local exchange credit discount and set a recurring credit of $25/24 months, 30.31 on the January bill so that if [redacted] pays the January bill as it reads, $164.45, she will have the credit balance carry over starting with the February bill so she can as it reads. As further insurance, the consultant set a follow-up to review the February 2017 bill to ensure the billing is correct. The consultant also provided [redacted] with her callback information, if any residual questions remained.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] After wasting my time for almost three hours they agreed that all of the customer service people I spoke with were ill informed and they agreed to sell me the router at the price...
that they had offered it to me at. However, they did absolutely nothing to compensate me for the time they made me spend simply asking for what they had offered to me. While I am pleased to be able to purchase the router at the price they offered it to me at I am not at all happy that they forced me to go through this process and refused to compensate me for my wasted time.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: Verizon sent us an email saying we would be contacted within one business day of May ** by the Verizon Executive Relations team. We were contacted on May ** and May **...not within one business day/ By then, we were so disgusted trying to expedite a solution to our problem that we decided not call back in a timely manner. Why should we have? After half a month of waiting for techs who never showed up and our work tickets being cancelled, a private contractor sent out to our unit by Verizon finally told us Verizon would not bury the line! Then when we tried to figure out on our own how to order an upgrade, Verizon bumped the price from $89.99 a month to $99.99 a month after my son clicked a link to turn down $89.99 because he wanted to see other options. Then the customer service representatives with whom he chatted could not pull up any options on their end so he could negotiate a deal. Why should we believe Doug from the Verizon Executive Relations Team will handle this any better? In short, we would like to upgrade our unit to single dwelling equipment...if we can pay the same or less than what we have been paying for multidwelling service.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Verizon spoke with the customer and agreed to issue credit in the amount of $68.09 to bring the balance to zero. The account was recalled from collection. It was not credit reported. Verizon apologizes for the inconvenience the customer experienced as a result of this matter.
CONFIDENTIAL COMMUNICATION May 3, 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. While we understand Mr. [redacted]’s frustration regarding the remaining balance on his account, our return policy is listed in our catalogs and on our website and states in part: Computers, tablets, e-readers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators have to be returned within 30 days. Our Customer Service agent provided a postage paid return label for Mr. [redacted] to return the damaged computer when we were notified of the Mr. [redacted]’s concern as a courtesy. The postage paid label was mailed on March 15, 2016. The return of the computer was not received until April 18, 2016. As stated previously, Mr. [redacted]’s billing statement cycled on February 13, 2016 with a minimum payment due by March 9, 2016. Mr. [redacted] is responsible for any payments due on his account prior to the return being received and any charges remaining on his account after the return has been received and credited. By the time we received the return of the damaged computer, three monthly billing statements had already been sent to Mr. [redacted]. The balance remaining on Mr. [redacted]’s account is his responsibility. As Mr. [redacted] remained obligated to make at least the minimum amount due, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies. As we have provided Mr. [redacted] with 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
A customer service representative reviewed the customer's concerns and issued a $20.00 monthly discount for 24 months. The customer's bill should be approximately $169.83 per month with this discount. The discount should be on the 01/**/17 bill. We have been unable to speak with the...
customer directly but a detailed message was left on his voice mail and a letter sent updating the customer. An email will also be sent to the customer with this information.
CONFIDENTIAL COMMUNICATION January 5, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry she states she attempted to place orders that were not able to be processed. When Ms. [redacted] attempted to checkout it would repeatedly ask her to enter an email address even though she believed it was already on her account. Unfortunately, Ms. [redacted]’s email address was not attached to her account, and so orders were not able to be placed under Ms. [redacted]’s account via our website. We have made the correction to Ms. [redacted]’s account and have entered her email address. We recommend Ms. [redacted] clear her cache and cookies from her website browser before attempting to place a new order. We apologize that Ms. [redacted] was unable to place an order and receive the special offers associated with her products of interest. As a courtesy, we are sending the free Hat, Glove, and Scarf Set that Ms. [redacted] was not able to receive due to the order issues. We have also issued a $50.00 discount coupon to be sent via mail that she may use towards her next Fingerhut purchase. If Ms. [redacted] wants to use more than one promotion code in the future, she will need to place separate orders, as we only allow one promotion code per order. This information may be found in the promotion disclaimer. If Ms. [redacted] has any further questions or wishes to place an order by phone, she may contact us at ###-###-####, 24 hours a day, 7 days a week. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/RG
Investigation determined we were notified to remove theLifeline discount from the account due to failure to recertify. The customerdid reapply but we were not able to read the copies of the Benefit card or IDprovided with the application as proof of eligibility. We need to provide informationfrom...
these documents in order to verify eligibility for the discount in theNational Lifeline Database. We therefore had to deny the discount. We contactedthe customer to explain reason for denial and asked customer to pleasereapply. We understand the customer is not satisfied with thisresponse, but we have to adhere to the process in order to get the discountreinstated.
[redacted] CONFIDENTIAL COMMUNICATION April 11, 2016 Revdex.com of Minnesota Attn: [redacted] ...⇄ 220 S. River Ridge Circle Burnsville, MN 55337 Re: Mr. [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to a second inquiry received from your office on behalf Mr. [redacted] regarding a WebBank/Fingerhut credit account. Enclosed are a statement of account activity, credit application and Terms and Conditions. Mr. [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit report. Mr. [redacted] further states that there is inaccurate information being reported to the credit bureaus. Mr. [redacted]’s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report. As stated our initial response, an application was processed online June 17, 2006 with Mr. [redacted]’ name, address and social security number. An order was placed online September 8, 2010 for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, 38. The merchandise was shipped September 9, 2010 via FedEx to [redacted] Wheatland, IN 47597. No payments were made on this account. The unpaid balance of $187.81 charged off on April 17, 2011 and the account was sold to Jefferson Capital Systems on August 2, 2012. Fingerhut is no longer collecting on this account. An account review on March 17, 2016 confirmed that Experian and Trans Union are reporting accurately as Transfer/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 Mr. [redacted]’ 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 Mr. [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####. As Mr. [redacted] continues to allege he has no knowledge of this account, we referred this matter to our Credit Risk Department for further review. As a result of their investigation, a police report is required in order to contact a full fraud investigation. To date, we have not received a completed police report regarding this matter. Mr. [redacted] may send the police report to the following address: Fingerhut Attn: Fraud Department [redacted] St. Cloud, MN 56303 Mr. [redacted] may also fax the police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account. If Mr. [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures
I am rejecting this response because:
I understand that I have late fees on the account but I agreed on March or April for my payments automatic monthly payment to be taken out monthly so they can be paid on time and not get reported for being late and they never took out the payments from my account. I have a 30 day past due in my credit report because of them not putting me on monthly automatic withdrawal when I agreed to do so. They said that they have all calls recorded then they should check the last time I called them and they will see I did agreed to get my payments off every month
Initial Business Response /* (1000, 5, 2015/07/06) */
CONFIDENTIAL COMMUNICATION
July 2, 2015
Revdex.com of Minnesota Account #: [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Mr. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and the last three statements.
Mr. [redacted] states in his complaint that he is receiving up to five calls per day on an account that Mr. [redacted] says is current. Mr. [redacted]'s desired resolution is for the calls to cease.
Based on our research, an account was opened with a representative on May 4, 2012 using Mr. [redacted]'s name and social security number when an order was placed for a Rachael Ray 10pc Hard Anodized Cookware Set. The merchandise was shipped via FedEx Home on May 8, 2012 to the same address as listed in the complaint.
Our records indicate that a recent payment of $40.00 received on May 31, 2015 did not satisfy the minimum payment due of $46.99 by June 11, 2015. This left a past due balance of $6.99.
Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Mr. [redacted]'s account is in a current status. Thank you for your most recent payment of $40.00 on July 1, 2015.
To avoid additional late fees, collection activity and potentially negative reporting to the credit bureaus, a remaining minimum payment of $26.98 is due by July 11, 2015.
If Mr. [redacted] wishes 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 Mr. [redacted]'s 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.
Mr. [redacted]'s 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 Mr. [redacted]'s account is still subject to the original terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
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:
It does not make any sense that someone will send two #300 gift cards for the promotion and claim that I have used one. This resolution is not acceptable. There is no company that will send two different gift cards. Can Verizon provide a proof that it sends two gift cards to its recipients?Verizon should look at the recording of the calls that I have made to them regarding the $300 [redacted] gift card that they sent without the pin number and find out if Verizon is at fault or the gift card company that they work with. I would urge Verizon to fix the tracking system and stop agitating end users.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
I am rejecting this response because: this is a sick way of getting some money out of low income client. there is noway I should owe 53. plus dollars for returning they stuff and i'm asking you please don't let them get away with this. I will not pay them on dime.
CONFIDENTIAL COMMUNICATION February 23,...
2017 ...⇄ # [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 PayCheck Direct Account. Ms. [redacted] states she cancelled an order when she would not be receiving the merchandise before Christmas. She states she has contacted PayCheck Direct but has not received a refund from the canceled order. Ms. [redacted] would like to have her payment in the amount of $22.39 refunded. Our records indicate Ms. [redacted] placed an order for a McLeland Design 4" Gel Memory Foam Topper – King, a George Foreman 200 sq. in. Indoor/Outdoor Grill, an XBOX One Dragon Ball Xenoverse, and a Ginsu Koden Series 14-Pc. Cutlery Set on December 7, 2016. The payment in the amount of $22.39 on December 7, 2016 was successfully processed. As we have stated in a previous letter, Ms. [redacted]’s order was canceled on December 14, 2016. A refund for the payment of $22.39 was mailed on February 22, 2017. Ms. [redacted] should allow 7-10 business days to receive this refund. If Ms. [redacted] has any additional questions she may contact PayCheck Direct Customer Service at ###-###-#### Monday-Friday 8:00AM-8:00PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
On 1/**/18, Verizon Appeals Billing Representative spoke with [redacted] wanted confirmation that Verizon will honor his contract expiration date of 9/**/2018. He stated he spoke with a supervisor on 1/**/18 and was advised Verizon will honor that date. The supervisor spoke with [redacted] who...
was calling about a change in his contract, he saw online that his contract terms extended until 11/2019 when he never rebundled or changed his terms. The account records reflect on 11/**/17, [redacted] did upgrade his service to 75/75 for same price keeping same contract terms. The customer did not keep the 75/75 however and never rebundled into a new contract. The customer was advised that Verizon would cancel the new contract at the end of original contract discounts which is 09/2018. The customer was advised he can cancel services after 9/**/2018 without an Early Termination Fee.
A Specialist was able to reach the customer on February [redacted] to discuss what happened when she renewed her bundle on January [redacted]. The Specialist spoke with the customer and she stated she didn’t request a change to her television line-up when she renewed. The Specialist explained that is...
why her bundle rate is $72.99 when it was previously $89.99 and her discounts were expiring January **, 2017. The Specialist spoke again with the customer on February [redacted] and issued an order to change the TV package while keeping her previous rate of $89.99. The Specialist also agreed to give an additional credit starting with the February bill till end of contract, January *, 2019, due to misinformation. She also issued a one-time bill credit. According to our records, a [redacted] gift card was not on the Simple Order Confirmation which was sent on January [redacted] when the order was placed, there were no notes stating the gift card nor was the an offer for a gift card with a triple play with local TV.
Dear Ms. [redacted]: I am in receipt of your letter dated June 15, 2016, regarding the above-referenced matter. The complainant's facts are in dispute and erroneous. Any fee earned by my company was justly earned in accordance with a written contract between the parties. I have...
contacted and responded to the complainant in a similar fashion. Please contact me if you need any further information. Sincerely, CREDIT ADJUSTMENT BOARD, INC.
Initial Business Response /* (1000, 5, 2016/02/02) */
CONFIDENTIAL COMMUNICATION
February 1, 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 is a copy of the credit application for your records.
In Ms. [redacted]'s complaint, she states that Fingerhut is reporting a hard inquiry on her credit report from an August 2015 application she reported as fraudulent. Ms. [redacted]'s desired resolution is to have the hard inquiry removed from her credit bureau reporting.
Our records indicate an application for credit was processed online on September 1, 2015. We received notification on September 2, 2015, from Ms. [redacted], that this was an unauthorized application. The application was then denied and a notification to have the inquiry removed was sent to Equifax, Experian and Trans Union.
A confirmation letter dated September 2, 2015 was sent to Ms. [redacted] stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report.
The records further indicate on December 4, 2015, Ms. [redacted] contacted Fingerhut regarding the inquiry still showing on her credit report. That same day another notification to have the inquiry removed was sent to Equifax, Experian and Trans Union.
A second confirmation letter dated December 4, 2015 was sent to Ms. [redacted] stating that inquiry would be removed from all three credit reporting agencies and to please allow sixty to ninety days for this to be reflected on her credit report.
In the hope of assisting Ms. [redacted] further, we would request that she mail a copy of her credit reports showing the hard inquiry to:
Fingerhut
Attention: Executive Care Team/Collections
[redacted]
Saint Cloud, MN 56303
Or she may fax a copy to [redacted] Attention: Executive Care Team/Collections.
We appreciate Ms. [redacted]'s patience regarding this issue and apologize for any inconvenience.
If Ms. [redacted] still has questions about what has or has not been reported to the credit bureaus, she may contact us at the address listed above or by calling us toll-free at [redacted], Monday through Friday 9:00am to 6:00pm Central Standard Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sa
Enclosure
Initial Consumer Rebuttal /* (3000, 7, 2016/02/11) */
(The consumer indicated he/she DID NOT accept the response from the business.)
The inquiry still has not been removed from my account
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 because although my refund wasn't sent on the 16th like fingerhut stated, after I contacted my bank and fingerhut customer service, they finally issued Me a refund. I will never shop at finger hut again!
On 8/**/2016 Verizon Appeals Billing representative spoke with [redacted]. who was insisting that Verizon credit his Early Termination Fee (ETF) of $135.00, waive the $80.00 activation fee, and give him a rate of $49.99 for the entire 24 months. The representative advised [redacted] she would be willing to credit his ETF, but it has not yet appeared on a bill. Then [redacted] would only be responsible for the activation fee. The representative cannot give the customer an offer that doesn't exist, so the promo is $49.99 for months 1-12, then $59.99 for months 13-24. [redacted] asked if Verizon had a 1 year contract, and the representative advised is not offered. [redacted] said he will talk to the representative again when they credit the ETF on his bill. The representative will follow up next month to review his final bill and credit the ETF if billed. Joyce D[redacted]Verizon Executive Relations Sr. Analyst###-###-####
Subsequent to receipt of the complaint, I forwarded [redacted] concerns to our billing department for further review. A billing consultant was able to view the standard order of confirmation (“SOC”) preview sent to the customer regarding the $119 monthly recurring charge. This...
document shows a $20 discount to expire 1/**/18 and the $25 extended through 1/**/19 and a $30 extension through 1/**/19 and a $15 value credit for twelve (12) months. The representative sent the preview, noted and issued a follow-up. Consequently, the rates will be honored. The billing consultant spoke to [redacted] and advised she would issue the exception credits of $25/24 months and $15/12 months that are missing. The consultant was unable to add exception to honor the promised rate. Consequently, the consultant set recurring credits for $15/12 months to honor the local exchange credit discount and set a recurring credit of $25/24 months, 30.31 on the January bill so that if [redacted] pays the January bill as it reads, $164.45, she will have the credit balance carry over starting with the February bill so she can as it reads. As further insurance, the consultant set a follow-up to review the February 2017 bill to ensure the billing is correct. The consultant also provided [redacted] with her callback information, if any residual questions remained.
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted] After wasting my time for almost three hours they agreed that all of the customer service people I spoke with were ill informed and they agreed to sell me the router at the price...
that they had offered it to me at. However, they did absolutely nothing to compensate me for the time they made me spend simply asking for what they had offered to me. While I am pleased to be able to purchase the router at the price they offered it to me at I am not at all happy that they forced me to go through this process and refused to compensate me for my wasted time.
Sincerely,
[redacted]
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID# [redacted], and have determined that my complaint has NOT been resolved because: Verizon sent us an email saying we would be contacted within one business day of May ** by the Verizon Executive Relations team. We were contacted on May ** and May **...not within one business day/ By then, we were so disgusted trying to expedite a solution to our problem that we decided not call back in a timely manner. Why should we have? After half a month of waiting for techs who never showed up and our work tickets being cancelled, a private contractor sent out to our unit by Verizon finally told us Verizon would not bury the line! Then when we tried to figure out on our own how to order an upgrade, Verizon bumped the price from $89.99 a month to $99.99 a month after my son clicked a link to turn down $89.99 because he wanted to see other options. Then the customer service representatives with whom he chatted could not pull up any options on their end so he could negotiate a deal. Why should we believe Doug from the Verizon Executive Relations Team will handle this any better? In short, we would like to upgrade our unit to single dwelling equipment...if we can pay the same or less than what we have been paying for multidwelling service.
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Verizon spoke with the customer and agreed to issue credit in the amount of $68.09 to bring the balance to zero. The account was recalled from collection. It was not credit reported. Verizon apologizes for the inconvenience the customer experienced as a result of this matter.
CONFIDENTIAL COMMUNICATION May 3, 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 Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. While we understand Mr. [redacted]’s frustration regarding the remaining balance on his account, our return policy is listed in our catalogs and on our website and states in part: Computers, tablets, e-readers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators have to be returned within 30 days. Our Customer Service agent provided a postage paid return label for Mr. [redacted] to return the damaged computer when we were notified of the Mr. [redacted]’s concern as a courtesy. The postage paid label was mailed on March 15, 2016. The return of the computer was not received until April 18, 2016. As stated previously, Mr. [redacted]’s billing statement cycled on February 13, 2016 with a minimum payment due by March 9, 2016. Mr. [redacted] is responsible for any payments due on his account prior to the return being received and any charges remaining on his account after the return has been received and credited. By the time we received the return of the damaged computer, three monthly billing statements had already been sent to Mr. [redacted]. The balance remaining on Mr. [redacted]’s account is his responsibility. As Mr. [redacted] remained obligated to make at least the minimum amount due, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies. As we have provided Mr. [redacted] with 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
A customer service representative reviewed the customer's concerns and issued a $20.00 monthly discount for 24 months. The customer's bill should be approximately $169.83 per month with this discount. The discount should be on the 01/**/17 bill. We have been unable to speak with the...
customer directly but a detailed message was left on his voice mail and a letter sent updating the customer. An email will also be sent to the customer with this information.
CONFIDENTIAL COMMUNICATION January 5, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry she states she attempted to place orders that were not able to be processed. When Ms. [redacted] attempted to checkout it would repeatedly ask her to enter an email address even though she believed it was already on her account. Unfortunately, Ms. [redacted]’s email address was not attached to her account, and so orders were not able to be placed under Ms. [redacted]’s account via our website. We have made the correction to Ms. [redacted]’s account and have entered her email address. We recommend Ms. [redacted] clear her cache and cookies from her website browser before attempting to place a new order. We apologize that Ms. [redacted] was unable to place an order and receive the special offers associated with her products of interest. As a courtesy, we are sending the free Hat, Glove, and Scarf Set that Ms. [redacted] was not able to receive due to the order issues. We have also issued a $50.00 discount coupon to be sent via mail that she may use towards her next Fingerhut purchase. If Ms. [redacted] wants to use more than one promotion code in the future, she will need to place separate orders, as we only allow one promotion code per order. This information may be found in the promotion disclaimer. If Ms. [redacted] has any further questions or wishes to place an order by phone, she may contact us at ###-###-####, 24 hours a day, 7 days a week. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/RG
Investigation determined we were notified to remove theLifeline discount from the account due to failure to recertify. The customerdid reapply but we were not able to read the copies of the Benefit card or IDprovided with the application as proof of eligibility. We need to provide informationfrom...
these documents in order to verify eligibility for the discount in theNational Lifeline Database. We therefore had to deny the discount. We contactedthe customer to explain reason for denial and asked customer to pleasereapply. We understand the customer is not satisfied with thisresponse, but we have to adhere to the process in order to get the discountreinstated.
[redacted] CONFIDENTIAL COMMUNICATION April 11, 2016 Revdex.com of Minnesota Attn: [redacted] ...⇄ 220 S. River Ridge Circle Burnsville, MN 55337 Re: Mr. [redacted] Case #: [redacted] Dear Ms. [redacted], We are writing in response to a second inquiry received from your office on behalf Mr. [redacted] regarding a WebBank/Fingerhut credit account. Enclosed are a statement of account activity, credit application and Terms and Conditions. Mr. [redacted] states that he was unaware about a Fingerhut account until he saw the WebBank/Fingerhut trade line on his credit report. Mr. [redacted] further states that there is inaccurate information being reported to the credit bureaus. Mr. [redacted]’s desired resolution is to have the WebBank/Fingerhut trade line deleted from his credit report. As stated our initial response, an application was processed online June 17, 2006 with Mr. [redacted]’ name, address and social security number. An order was placed online September 8, 2010 for a Save 32% Avirex Men's Rattler Jean, Denim, 38W 34L, a Save 30% Ecko Unltd Standout Jean Denim, 38, a Save 31% Ecko Unltd Mn EU Short Denim, 36, and a Save 30% Ecko Unltd Standout Jean Black Denim, 38. The merchandise was shipped September 9, 2010 via FedEx to [redacted] Wheatland, IN 47597. No payments were made on this account. The unpaid balance of $187.81 charged off on April 17, 2011 and the account was sold to Jefferson Capital Systems on August 2, 2012. Fingerhut is no longer collecting on this account. An account review on March 17, 2016 confirmed that Experian and Trans Union are reporting accurately as Transfer/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 Mr. [redacted]’ 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 Mr. [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly at ###-###-####. As Mr. [redacted] continues to allege he has no knowledge of this account, we referred this matter to our Credit Risk Department for further review. As a result of their investigation, a police report is required in order to contact a full fraud investigation. To date, we have not received a completed police report regarding this matter. Mr. [redacted] may send the police report to the following address: Fingerhut Attn: Fraud Department [redacted] St. Cloud, MN 56303 Mr. [redacted] may also fax the police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account. If Mr. [redacted] has further questions or concerns, he may contact the Fraud Department at ###-###-####. Their hours are Monday – Friday 8:00am – 6:00pm Central Time. Thank you for allowing us to explain. Sincerely, Kari [redacted] Executive Care Team KD/sjj Enclosures