Verizon stands by the initial response that we are unable to provide additional assistance with the sold account. All inquiries or disputes need to be handled directly with [redacted].
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] indicates she had previously requested that an order be deferred, that she was advised it would be done, but that it was not. She states that she has been emailing about it since October and that her account is past due, and it has impacted her credit report. Our records indicate Ms. [redacted] had a balance of $694.66 on her account before she made the October 12, 2106. The statement that was produced on October 6, 2016 indicated this balance, with a minimum payment of $46.99 due by November 2, 2016. Ms. [redacted] then placed an order on our website on October 12, 2016, totaling $648.97. She contacted us on October 20, 2016, and her order was deferred. Ms. [redacted]’ November statement reflected this deferral, showing an amount of $666.01 as the New Deferred Balance in the Deferred Payment Summary section. In addition, the section of the statement labeled Interest Charge Calculation clearly defines the amount of deferred purchases and the amount of non-deferred purchases, including the interest charge for each. In this case, the non-deferred purchase amount was $687.40 and the deferred purchase amount was $439.62. On that same statement, Ms. [redacted]’ Minimum Payment Due of $73.98 included a past due amount of $26.99 which was due on December 2, 2016. As a portion of the balance was non-deferred, a minimum payment was and is due on it. Additionally, each time the minimum amount due is not paid on time, a late fee may be assessed and the account may be reported delinquent to the credit bureaus, as outlined in the terms and conditions of the account. Our records reflect that Ms. [redacted]’ account currently has a minimum payment of $120.97 due by January 2, 2017. Ms. [redacted] may make payment arrangements by contacting us at ###-###-####, between the hours of 7:00am and 9:00pm, CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team
No new information has been provided by the customer. This issue has been addressed multiple times. On March **, 2017 we received a payment of the $108.;42 brining the account to a zero balance. These charges were paid by the customer to Verizon via credit card with the payment of $108.42 posting on March **, 2017. So the account was at a zero balance for a period of time. However, this payment was then reversed by the credit card company - we gave the money back to the credit card company- so the $108.42 was debited back to the account and owed by the customer to Verizon. Our position remains the same. The charges are sustained.
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.
Revdex.com:Today, 2/**/2016, Verizon Consumer Affairs at corporate headquarters found the problem to be a recently terminated phone number that should not have been resigned to a new customer for at least 6 months.Verizon has assigned another phone number that has been inactive for...
longer than six months.I am satisfied with Verizon Consumer Affairs resolution.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION 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
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
Please be advised Verizon has offered to install Fios to customer as a only fix for her Internet issue. Verizon has also credited [redacted] many times and have advised her we will no longer credit her that Fios will resolve her internet issues. [redacted] makes appointments for Fios and...
cancels them. [redacted] asks for credit with out calling a repair ticket and wants Verizon to just credit when she say so. This [redacted] complaint and counting. Verizon advised [redacted] to provide an exact date of when she will available to install fios.
A representative contacted the customer and apologized for the problems he experienced in trying to file a complaint directly with Verizon. The representative thanked the customer for making us aware of the problem and his concerns have been documented for further review.
closet had to be defective for it to break shortly after I hung clothes on it. For fingerhut to offer me a 30 dollar coupon for my next purchase is an insult. Now that I know that they will sell defective merchandise and refuse to value their customers by rectifying the matter, I don't plan to continue doing business with them. I am closing my account. What they're saying is that even if I assemble the item as soon as I receive it from them and it breaks or malfunctions on the 31st day of purchase that's just too bad. I don't appreciate being offered a 30 dollar coupon to continue purchasing from fingerhut when I have a closet that I can't use. Fingerhut owes me a closet that doesn't have defective weak areas on the poles.
[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
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 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.
The customer's service is not with Verizon but with [redacted]. Please serve this complaint to [redacted] so that they can follow the process and contact Verizon regarding the consumer's repair. Once [redacted] contacts Verizon, Verizon will be able to dispatch to assist the customer. To continue to serve Verizon with this complaint will only delay the customer's repair.
requested this account to be paid. You fail to recognize that your agents informed me that the account was charged off and they denied me to make a payment. I contacted Fingerhut in good faith last year to settle this. I informed you all that the bankruptcy was dismissed myself. If I had no intention of making this account right, I would have never called fingerhut after a 2 year debt. Even when I spoke to them last month, they stated you can make a payment but its charged off, its pointless. You are not accurately reporting anything to the credit bureaus. All I wanted to do was make this right and settle this debt.
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. Although I am not happy that the initial offer made accepted was revoked, I am satisified with the Solution we were able to resolve with.
Sincerely,
[redacted]
Dear Mediator,Upon receipt of this complaint, Verizon referred this matter to our Customer Service department. According to our records, Susan Root expressed concern about the continuous billing of D.V.R. equipment after her removal request and a promised $20 recurring credit never received. Upon...
review, Verizon communicated with [redacted] on 11/**/17 and apologized for her inconvenience. Verizon notes [redacted] did call on 10/**/17 to remove the D.V.R. service and was promised a $20 discount for a period of 12 months. Verizon subsequently processed an order to remove the D.V.R. and adjusted the October and November billing cycles. In addition, Verizon issued a one-time courtesy credit in the amount of $20 for the missing promised discount related to the November billing statement. The total credit amounts to $68.46 which will appear no later than the December 2017 billing statement. In addition, Verizon processed a recurring credit of $20 per month for 12 months to start no later than her January 2018 billing cycle. Furthermore, I have left my number with [redacted] should she have any additional questions or concerns.
because:
Although it is not my account I paid my mother [redacted] of [redacted] smyrna de who has the account for the bear at which we ordered well before it was on backorder. Then when we received the wrong package we were told it was on backorder and could not be reviewed until January although we ordered well in advance when it was in Stock. The order number is [redacted].
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.
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 stands by the initial response that we are unable to provide additional assistance with the sold account. All inquiries or disputes need to be handled directly with [redacted].
CONFIDENTIAL COMMUNICATION December 27, 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 inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Ms. [redacted] indicates she had previously requested that an order be deferred, that she was advised it would be done, but that it was not. She states that she has been emailing about it since October and that her account is past due, and it has impacted her credit report. Our records indicate Ms. [redacted] had a balance of $694.66 on her account before she made the October 12, 2106. The statement that was produced on October 6, 2016 indicated this balance, with a minimum payment of $46.99 due by November 2, 2016. Ms. [redacted] then placed an order on our website on October 12, 2016, totaling $648.97. She contacted us on October 20, 2016, and her order was deferred. Ms. [redacted]’ November statement reflected this deferral, showing an amount of $666.01 as the New Deferred Balance in the Deferred Payment Summary section. In addition, the section of the statement labeled Interest Charge Calculation clearly defines the amount of deferred purchases and the amount of non-deferred purchases, including the interest charge for each. In this case, the non-deferred purchase amount was $687.40 and the deferred purchase amount was $439.62. On that same statement, Ms. [redacted]’ Minimum Payment Due of $73.98 included a past due amount of $26.99 which was due on December 2, 2016. As a portion of the balance was non-deferred, a minimum payment was and is due on it. Additionally, each time the minimum amount due is not paid on time, a late fee may be assessed and the account may be reported delinquent to the credit bureaus, as outlined in the terms and conditions of the account. Our records reflect that Ms. [redacted]’ account currently has a minimum payment of $120.97 due by January 2, 2017. Ms. [redacted] may make payment arrangements by contacting us at ###-###-####, between the hours of 7:00am and 9:00pm, CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team
No new information has been provided by the customer. This issue has been addressed multiple times. On March **, 2017 we received a payment of the $108.;42 brining the account to a zero balance. These charges were paid by the customer to Verizon via credit card with the payment of $108.42 posting on March **, 2017. So the account was at a zero balance for a period of time. However, this payment was then reversed by the credit card company - we gave the money back to the credit card company- so the $108.42 was debited back to the account and owed by the customer to Verizon. Our position remains the same. The charges are sustained.
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.
Revdex.com:Today, 2/**/2016, Verizon Consumer Affairs at corporate headquarters found the problem to be a recently terminated phone number that should not have been resigned to a new customer for at least 6 months.Verizon has assigned another phone number that has been inactive for...
longer than six months.I am satisfied with Verizon Consumer Affairs resolution.
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me and the matter has been resolved.
Sincerely,
[redacted]
CONFIDENTIAL COMMUNICATION 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
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
Please be advised Verizon has offered to install Fios to customer as a only fix for her Internet issue. Verizon has also credited [redacted] many times and have advised her we will no longer credit her that Fios will resolve her internet issues. [redacted] makes appointments for Fios and...
cancels them. [redacted] asks for credit with out calling a repair ticket and wants Verizon to just credit when she say so. This [redacted] complaint and counting. Verizon advised [redacted] to provide an exact date of when she will available to install fios.
A representative contacted the customer and apologized for the problems he experienced in trying to file a complaint directly with Verizon. The representative thanked the customer for making us aware of the problem and his concerns have been documented for further review.
I am rejecting this response because:
The...
closet had to be defective for it to break shortly after I hung clothes on it. For fingerhut to offer me a 30 dollar coupon for my next purchase is an insult. Now that I know that they will sell defective merchandise and refuse to value their customers by rectifying the matter, I don't plan to continue doing business with them. I am closing my account. What they're saying is that even if I assemble the item as soon as I receive it from them and it breaks or malfunctions on the 31st day of purchase that's just too bad. I don't appreciate being offered a 30 dollar coupon to continue purchasing from fingerhut when I have a closet that I can't use. Fingerhut owes me a closet that doesn't have defective weak areas on the poles.
[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
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 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.
The customer's service is not with Verizon but with [redacted]. Please serve this complaint to [redacted] so that they can follow the process and contact Verizon regarding the consumer's repair. Once [redacted] contacts Verizon, Verizon will be able to dispatch to assist the customer. To continue to serve Verizon with this complaint will only delay the customer's repair.
I am rejecting this response because:I been...
requested this account to be paid. You fail to recognize that your agents informed me that the account was charged off and they denied me to make a payment. I contacted Fingerhut in good faith last year to settle this. I informed you all that the bankruptcy was dismissed myself. If I had no intention of making this account right, I would have never called fingerhut after a 2 year debt. Even when I spoke to them last month, they stated you can make a payment but its charged off, its pointless. You are not accurately reporting anything to the credit bureaus. All I wanted to do was make this right and settle this debt.
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. Although I am not happy that the initial offer made accepted was revoked, I am satisified with the Solution we were able to resolve with.
Sincerely,
[redacted]
Dear Mediator,Upon receipt of this complaint, Verizon referred this matter to our Customer Service department. According to our records, Susan Root expressed concern about the continuous billing of D.V.R. equipment after her removal request and a promised $20 recurring credit never received. Upon...
review, Verizon communicated with [redacted] on 11/**/17 and apologized for her inconvenience. Verizon notes [redacted] did call on 10/**/17 to remove the D.V.R. service and was promised a $20 discount for a period of 12 months. Verizon subsequently processed an order to remove the D.V.R. and adjusted the October and November billing cycles. In addition, Verizon issued a one-time courtesy credit in the amount of $20 for the missing promised discount related to the November billing statement. The total credit amounts to $68.46 which will appear no later than the December 2017 billing statement. In addition, Verizon processed a recurring credit of $20 per month for 12 months to start no later than her January 2018 billing cycle. Furthermore, I have left my number with [redacted] should she have any additional questions or concerns.
I am rejecting this response...
because:
Although it is not my account I paid my mother [redacted] of [redacted] smyrna de who has the account for the bear at which we ordered well before it was on backorder. Then when we received the wrong package we were told it was on backorder and could not be reviewed until January although we ordered well in advance when it was in Stock. The order number is [redacted].
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.
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]