We spoke with the customer on June **, 2017 to apologize for the problems and agreed to honor the original rate/offer quoted to the customer. We appreciate the customer bringing this to our attention.
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. Mr. [redacted] states he placed an order on May 28, 2016 for a [redacted] Smart TV. On June 6, 2016 he received the incorrect TV. He claims he contacted Fingerhut and returned the merchandise. He wanted the correct TV to be sent to him, but his order was cancelled. He had made payments for the TV and wanted to have this refunded to him. He would like to have the correct product sent to him or a refund of his payment. Our records indicate Mr. [redacted] placed an order for a [redacted] 24” 720p LED Smart TV on May 28, 2016. On June 6, 2016 Mr. [redacted] contacted Fingerhut stating he did not receive the correct TV. On June 7, 2016 a prepaid label was sent to Mr. [redacted] to return the TV. The agent Mr. [redacted] spoke with placed an order at no charge for the correct TV. This was not properly handled, as we need to receive the return before sending a replacement item. On that same date, the error was caught and the order was cancelled. We apologize for this error of one of our agents. This has been brought to our attention and corrective measures have been taken. We received the return from Mr. [redacted] on June 15, 2016. The full merchandise price of $182.88 was credited to Mr. [redacted]’s account. The return shipping/handling of $23.95 and the original shipping/handling amount of $19.99 was credited on June 16, 2016. Mr. [redacted] made a payment on June 3, 2016 for $200.00. Once his account was credited for the returned merchandise, this created a $200.00 credit on his account. On June 13, 2016 the credit of $200.00 was issued to Mr. [redacted]’s credit card ending in 2732. If Mr. [redacted] would like to replace the order for the TV or any other products, he may do so online at www.Fingerhut.com or contact Fingerhut Order Line at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because:I have already showed them proof that I contacted them before the 30 days. Also since I purchased the item from THEM, THEY should have taken care of the problem right away and let me return it, not made ME contact the manufacturer.
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. I was contacted twice by Verizon, but unable to answer during work hours due to training.
Sincerely,
[redacted]
Dear Mediator, Upon receipt of this complaint, Verizon referred this matter to our Customer Service departments. According to our records, Fernando Casanova expressed concern about the customer experience as well as a discrepancy regarding the final bill amount when they disconnected service. The...
complaint states they were quoted at $69.99 but received a bill for $89.99. As a result, [redacted] disconnected the service. Customer Service reviewed the account and issued a credit in the amount of $20 on December **, 2016. The $20 credit will be refunded via check to the service address no later than 1 – 2 billing cycles. Furthermore, Verizon communicated with [redacted] on December **, 2016 but she mentioned she would call me at her earliest convenience. I have sent an email with my name and number should she have any additional questions or concerns.
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]
The service was terminated do to lack of service from Verizon in the new location. Where does it state that customer is responsible for an early termination fee, if Verizon is unable to extend service to an area?
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Subsequent to receipt of the complaint, a technician was
dispatched December *, 2015 and he removed the wires left from the prior job. I contacted [redacted] to confirm that the
work was done to her satisfaction. She
advised me received a call from the local manager, Mark M[redacted] and...
thanked me
for the follow-up. She said the matter
is resolved.
Please be advised we have removed the account from [redacted]’s credit report due to a Verizon error in processing the credits due to him. I spoke with [redacted] today to provide this information. We trust this provides your office with the information required in this matter....
I spoke with [redacted] and advised she was promised a rate of $227. A recurring adjustment of $36 per month was issued until the end of the contract in May 2018. Another one time credit of $36 was issued towards the 06/**/16 bill. That credit will reflect on the 08/**/16 bill. [redacted]...
[redacted] was satisfied and did not have any additional questions or concerns.
made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.The letter states that there was no conversation about late payment. This is true. I feel they should have stated that their acceptance of partial payment comes WITH A LATE report. This is negligent on their behalf. That is why I asked for them to take off the report for late payment. it is my fault for trusting a negligent company, thinking they would be forthcoming with their knowledge of what this could do to my credit report. Something that is regarded HIGHLY in the area of business. It is negligent to do this to someone because they are just a number to you. It is disappointing to find that companies are so unpersonable. I would NEVER do business like this. I take it as a satisfactory response because they are Legally correct. They are not morally. They should be ashamed. Thank you
Verizon spoke to the customer and advised that the credit check was corrected to a soft inquiry that can take the credit bureaus up to 60 days to complete. Verizon also confirmed that if the customer places a new order, the Verizon credit check will pick up the last one that was performed within 60...
days if the credit information on the customer's order is entered exactly the same with the social security number. The customer was advised that if he placed an order on line, he would get the best rates available which he did. He knows that if his installation needs to be delayed, he can call Verizon to change it. Verizon apologizes for the inconvenience the customer experienced as a result of this matter.
CONFIDENTIAL COMMUNICATION
March 24, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] opened a WebBank/Fingerhut Advantage Credit Account on September 11, 2015. On that same date she purchased a Madison Park Beverly 7pc Comforter Set - Cal King, a Delray Diamond Hemstitch 6pc Sheet Set - Cal King, and an alcove Jacobean Vine 20-Pc. Bedroom Set - Queen.
We received the first payment of $30.00 from Ms. [redacted] on October 11, 2015. On November 3, 2015 Ms. [redacted] purchased an Easy Steps II - Extra Wide. Ms. [redacted] made a payment of $30.00 on November 11, 2015. This amount did not satisfy the $34.99, which was the minimum amount due for the month of November. Please note that when the full minimum amount due is not received by the due date, the minimum monthly payment amount due the next month will be higher and continue to be higher until the correct minimum amount due is received.
Ms. [redacted] purchased a McLeland Design Electric Microplush Sherpa Blanket - Twin on November 23, 2015. Because of this purchase, her minimum amount due increased. We received a payment of $30.00 on December 11, 2015. Again, this did not meet the minimum payment due of $51.98. Consequently, Ms. [redacted] was charged a late fee in the amount of $27.00.
When Ms. [redacted] opened her Fingerhut Account she ag[redacted] to the terms and conditions of the credit account. Within these terms and conditions it states, "Late fees will be equal to your minimum payment due with a maximum of up to $27.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles."
We received a payment of $21.00 on January 9, 2016 and an additional payment of $15.00 on January 11, 2016. This again did not meet the minimum amount due of $62.97. Ms. [redacted] was charged a $37.00 late fee on January 11, 2016. As a courtesy to Ms. [redacted] the $37.00 late fee that was charged on January 11, 2016 was waived.
We did not receive a payment in February or March of 2016. This resulted in two additional late fees on February 11, 2016 and March 11, 2016. Both of these late fees were the amount of $37.00.
Ms. [redacted] states she does not receive her statement via mail or online. Our records show Ms. [redacted] receives electronic statements each month to the e-mail address, GIN[redacted]@yahoo.com. If she would like to receive statements mailed to her each month, she can sign up to receive them on our website. On Fingerhut.com, customers can go to My Account, and under the My Credit Account, they can update preferences to receive and view statements.
We have enclosed a copy of Ms. [redacted]'s itemized statement to ensure a better understanding of her WebBank/Fingerhut Account.
Per Ms. [redacted]'s request on March 24, 2016 her Fingerhut Account has been closed. If Ms. [redacted]'s account was not paid in full when she closed it, her outstanding balances will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement. She will not be able to use her Account for any purchased effective immediately.
Ms. [redacted] is responsible for payments on this account. Her current balance is $627.31. A minimum payment of $156.95 is due by April 11, 2016.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
CONFIDENTIAL COMMUNICATION January 30, 2017 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, 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. In Mr. [redacted]’s inquiry he states the promotional offers he was using were Fingerhut promotions and were not applied correctly to his account. Mr. [redacted] also reiterates there was no disclaimer on the ad. After reviewing Mr. [redacted]’s account we show that he tried to use promotion codes NC636 and NC968. According to our records, these promotion codes are customer specific, and were not provided to Mr. [redacted]. According to our policy only one promotion code may be used per order, so only one could have been applied at the time of purchase. Please note that all of our promotion codes are accompanied by a disclaimer, in the ‘See Details’ section at the bottom of the advertisement. If Mr. [redacted] did not see that disclaimer, then it was not an advertisement posted by our company. We have checked the promotion codes available to Mr. [redacted] by our catalogs and website, and show the promotion code NC254 was available. We are willing to apply this promotion code for 15% off his order. This will provide a discount of $30.14 to his order, making the total $223.80. If Mr. [redacted] would like this promotion code applied to his order, he 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/AH
CONFIDENTIAL COMMUNICATION
March 23, 2016
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 Credit Account and related SafeLine Account Protection Plus plan (SafeLine Plus).
Our records show that Ms. [redacted] elected to enroll in SafeLine Plus on December 20, 2012 while completing an application for credit on the Fingerhut website. This is an optional debt-waiver plan offered by the issuer of the Fingerhut credit account; the monthly fee is $1.19 for every $100 of the credit account statement balance and is disclosed in the "fees" section of the customer's monthly statement.
Since early 2014, Ms. [redacted] has opened multiple separate benefit claims with SafeLine and its various categories of covered life events. While Ms. [redacted] does not specify any one claim in particular or a timeframe in which her credit reporting was affected, we received and reviewed all of SafeLine's records for Ms. [redacted]'s recent benefit claims. We found that, with each benefit, there was a common occurrence in which SafeLine received insufficient documentation back from Ms. [redacted], and they had to send additional correspondence and make additional attempts to receive the proper proof that was needed to approve the benefit.
Ms. [redacted] recently initiated claims for:
"Life Event - General" on November 23, 2015
"Life Event - Care for Spouse/Family Member" on January 8, 2016
"Life Event - Change of Primary Address" on January 8, 2016
"Life Event - Reduction in Work Hours" on January 16, 2016, and another
"Life Event - Care for Spouse/Family Member" on February 10, 2016.
For the first benefit claim, Ms. [redacted] returned documentation to SafeLine indicating she wanted to open a benefit for "college graduation". On December 16, 2015 a letter of benefit denial was sent because graduation from schooling is not a covered life event per the SafeLine contract terms. For the second benefit claim, Ms. [redacted] returned a completed application, but it did not include proof of expenses for her care of a sick spouse/family member. On January 20, 2016, SafeLine sent a letter requesting the missing information and stating that, without it, no benefits could be approved.
Her third benefit claim was approved, and she received one monthly benefit payment which posted to her account on January 19, 2016 for $75.51. This was the maximum number of benefits allowed for the "change of address" event type per SafeLine's contract terms. Her fourth benefit was also approved, on March 3, 2016--after Fingerhut waited for an extended period to receive additional documentation from Ms. [redacted]. She did meet the eligibility requirements for the "reduction in work hours" benefit. To date, this benefit has paid a total of $148.53 ($75.51 plus $73.02) to Ms. [redacted]'s account, which represented the current minimum payment due for the months of January and February 2016 during which time the event occurred. These two benefit payments posted to her account on March 3, 2016.
Ms. [redacted]'s fifth and latest benefit claim she initiated was approved on February 23, 2016 when SafeLine received documentation to substantiate her care for a sick spouse/family member. To date, this benefit also has paid a total of $148.53 ($75.51 plus $73.02) to her account, as it represented the current minimum payment due for the months of January and February 2016 during which time the event occurred. These two benefit payments posted to her account on February 23, 2016.
Please be advised that in all correspondence SafeLine sent Ms. [redacted], it was clearly stated that she remained responsible to make her monthly payments until she received notification from them that a claim was approved. However, when the above referenced benefit payments posted to her account due to her claims being approved, the late fees from January and February 2016 were credited as a result. These credits are reflecting on Ms. [redacted]'s statement dated March 7, 2016.
We reviewed the credit reporting of Ms. [redacted]'s account and maintain that it has been reported accurately.
We cannot revise any past reporting information to the credit bureaus for the reasons stated above, and because we are required by law (Fair Credit Report Act) to furnish accurate reporting.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Initial Business Response /* (1000, 8, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 13, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing...
in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records confirm Mr. [redacted] purchased a Polaroid 18Megapixel 8X-Zoom Camera on December 4, 2014 and an AT&T DECT 6.0 Corded & Cordless Phone on March 21, 2015.
We regret to learn of the problem Mr. [redacted] states he has experienced with the camera and also his report of not receiving one of the two handsets included with the phone.
Given the circumstances unique to Mr. [redacted]'s situation with each of these items, we can offer the following resolution. We have issued an account credit covering the full cost of the camera, including shipping/handling. This was already applied to his account and will appear on a future monthly statement for his records. The camera is his to keep or otherwise do with as he chooses.
Additionally, we are sending a new replacement, identical to the first, for the AT&T phone that will include both handsets. Mr. [redacted] will be notified by email when the replacement is shipped along with an estimated delivery date and shipment tracking number.
Our customers are important to us and we strive to assist and satisfy them. With the corrective measures we have taken we trust that we have done so with Mr. [redacted].
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 10, 2015/08/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
that is fine wish this was done by them at first.customers should always get prompt and courteous service. thanks god bless
The case was acknowledge upon receipt and sent to a specialist for resolution. According to our records, the customer did place an order on December *, 2016 with a December **, 2016 due date. The account was set up and the customer disconnected the service on the same day December **,...
2016. The customer did have to give a $250.00 deposit to establish internet service. The refund check of $250.00 was processed on October **, 2017 and the customer should receive it in seven to ten days at the address on file.
According to our records, a Verizon representative spoke to [redacted] on March *, and offered to cancel the existing service and change it to a month to month rate with no early termination fee. [redacted] advised the representative he felt this was fair. The representative has scheduled a...
follow up to review the March billing statement to make sure it is correct.
Minnesota �...⇄ Attn: [redacted]220 S. River Ridge CircleBurnsville, MN 55337Re: [redacted]Case #: [redacted]Dear Ms. [redacted],I am writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account. Mr. [redacted] states even though his account was sold, Fingerhut accepted payments on February 8, 2016 and February 10, 2016. Mr. [redacted] further states he was told the payments should have been forwarded a couple of days after they were received, but the collection agency, Jefferson Capital, still has not been notified. As he made the payments a month before Jefferson Capital reported the account to the credit bureaus, Mr. [redacted] is requesting that Jefferson Capital to delete their trade line and for Fingerhut to update their trade line to reflect paid.According to our records, an application for credit was processed June 24, 2013 when an order was placed online for a Lee Men's Carpenter Shorts and a Lee Men’s Belted Cargo Short - Regular. The name and address on the application is the same one Mr. [redacted] provided when contacting us regarding this issue.Payments were processed with a checking account, MasterCard and Visa debit card in the name [redacted]. The last payment received was on May 22, 2015 for $50.00. Mr. [redacted]’s account charged off with an unpaid balance of $883.89 on December 11, 2015 and Fingerhut ceased collection activity. The account was sold to Jefferson Capital on December 30, 2015. Fingerhut reported Mr. [redacted]’s account to the credit bureaus on January 13, 2016 as Transfer/Sold with a balance of zero. No further updates have been sent as Fingerhut no longer owns the account.According to our records, Mr. [redacted] made an online payment of $557.89 on February 8, 2016. On February 10, 2016, a second online payment for $326.00 was received. Had Mr. [redacted] contacted Fingerhut before he processed the payments online, he would have been redirected to Jefferson Capital. We have verified that Mr. [redacted]’s two payments received after the account was sold were forwarded to Jefferson Capital on March 10, 2016. Please be advised that it can take up to sixty days for the payments to be forwarded and applied once an account is sold. Mr. [redacted] corresponded with an agent via our online chat feature on February 29, 2016 and March 18, 2016. Mr. [redacted] was advised the money would be forwarded, but no time frame was provided. According to an account review on March 22, 2016, Fingerhut is reporting Mr. [redacted]’s account accurately as Transfer/Sold or Purchased By Another Lender with a balance and past due of zero. 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]’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 Mr. [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly ###-###-####. Thank you for allowing us to explain.Sincerely,Kari [redacted]Executive Care TeamKD/lg
We spoke with the customer on June **, 2017 to apologize for the problems and agreed to honor the original rate/offer quoted to the customer. We appreciate the customer bringing this to our attention.
CONFIDENTIAL COMMUNICATION June 24,...
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. Mr. [redacted] states he placed an order on May 28, 2016 for a [redacted] Smart TV. On June 6, 2016 he received the incorrect TV. He claims he contacted Fingerhut and returned the merchandise. He wanted the correct TV to be sent to him, but his order was cancelled. He had made payments for the TV and wanted to have this refunded to him. He would like to have the correct product sent to him or a refund of his payment. Our records indicate Mr. [redacted] placed an order for a [redacted] 24” 720p LED Smart TV on May 28, 2016. On June 6, 2016 Mr. [redacted] contacted Fingerhut stating he did not receive the correct TV. On June 7, 2016 a prepaid label was sent to Mr. [redacted] to return the TV. The agent Mr. [redacted] spoke with placed an order at no charge for the correct TV. This was not properly handled, as we need to receive the return before sending a replacement item. On that same date, the error was caught and the order was cancelled. We apologize for this error of one of our agents. This has been brought to our attention and corrective measures have been taken. We received the return from Mr. [redacted] on June 15, 2016. The full merchandise price of $182.88 was credited to Mr. [redacted]’s account. The return shipping/handling of $23.95 and the original shipping/handling amount of $19.99 was credited on June 16, 2016. Mr. [redacted] made a payment on June 3, 2016 for $200.00. Once his account was credited for the returned merchandise, this created a $200.00 credit on his account. On June 13, 2016 the credit of $200.00 was issued to Mr. [redacted]’s credit card ending in 2732. If Mr. [redacted] would like to replace the order for the TV or any other products, he may do so online at www.Fingerhut.com or contact Fingerhut Order Line at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because:I have already showed them proof that I contacted them before the 30 days. Also since I purchased the item from THEM, THEY should have taken care of the problem right away and let me return it, not made ME contact the manufacturer.
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. I was contacted twice by Verizon, but unable to answer during work hours due to training.
Sincerely,
[redacted]
Verizon’s records show that an order to port the customer’s service was on 2/**/16.
Dear Mediator, Upon receipt of this complaint, Verizon referred this matter to our Customer Service departments. According to our records, Fernando Casanova expressed concern about the customer experience as well as a discrepancy regarding the final bill amount when they disconnected service. The...
complaint states they were quoted at $69.99 but received a bill for $89.99. As a result, [redacted] disconnected the service. Customer Service reviewed the account and issued a credit in the amount of $20 on December **, 2016. The $20 credit will be refunded via check to the service address no later than 1 – 2 billing cycles. Furthermore, Verizon communicated with [redacted] on December **, 2016 but she mentioned she would call me at her earliest convenience. I have sent an email with my name and number should she have any additional questions or concerns.
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]
The service was terminated do to lack of service from Verizon in the new location. Where does it state that customer is responsible for an early termination fee, if Verizon is unable to extend service to an area?
In order for the Revdex.com to appropriately process your response, you MUST answer the question above.
Sincerely,
[redacted]
Subsequent to receipt of the complaint, a technician was
dispatched December *, 2015 and he removed the wires left from the prior job. I contacted [redacted] to confirm that the
work was done to her satisfaction. She
advised me received a call from the local manager, Mark M[redacted] and...
thanked me
for the follow-up. She said the matter
is resolved.
Please be advised we have removed the account from [redacted]’s credit report due to a Verizon error in processing the credits due to him. I spoke with [redacted] today to provide this information. We trust this provides your office with the information required in this matter....
Thank you, Ms. M[redacted] Sr. Analyst Verizon Executive Relations
I spoke with [redacted] and advised she was promised a rate of $227. A recurring adjustment of $36 per month was issued until the end of the contract in May 2018. Another one time credit of $36 was issued towards the 06/**/16 bill. That credit will reflect on the 08/**/16 bill. [redacted]...
[redacted] was satisfied and did not have any additional questions or concerns.
Revdex.com:
I have reviewed the response...
made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.The letter states that there was no conversation about late payment. This is true. I feel they should have stated that their acceptance of partial payment comes WITH A LATE report. This is negligent on their behalf. That is why I asked for them to take off the report for late payment. it is my fault for trusting a negligent company, thinking they would be forthcoming with their knowledge of what this could do to my credit report. Something that is regarded HIGHLY in the area of business. It is negligent to do this to someone because they are just a number to you. It is disappointing to find that companies are so unpersonable. I would NEVER do business like this. I take it as a satisfactory response because they are Legally correct. They are not morally. They should be ashamed. Thank you
Verizon spoke to the customer and advised that the credit check was corrected to a soft inquiry that can take the credit bureaus up to 60 days to complete. Verizon also confirmed that if the customer places a new order, the Verizon credit check will pick up the last one that was performed within 60...
days if the credit information on the customer's order is entered exactly the same with the social security number. The customer was advised that if he placed an order on line, he would get the best rates available which he did. He knows that if his installation needs to be delayed, he can call Verizon to change it. Verizon apologizes for the inconvenience the customer experienced as a result of this matter.
CONFIDENTIAL COMMUNICATION
March 24, 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 Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records indicate Ms. [redacted] opened a WebBank/Fingerhut Advantage Credit Account on September 11, 2015. On that same date she purchased a Madison Park Beverly 7pc Comforter Set - Cal King, a Delray Diamond Hemstitch 6pc Sheet Set - Cal King, and an alcove Jacobean Vine 20-Pc. Bedroom Set - Queen.
We received the first payment of $30.00 from Ms. [redacted] on October 11, 2015. On November 3, 2015 Ms. [redacted] purchased an Easy Steps II - Extra Wide. Ms. [redacted] made a payment of $30.00 on November 11, 2015. This amount did not satisfy the $34.99, which was the minimum amount due for the month of November. Please note that when the full minimum amount due is not received by the due date, the minimum monthly payment amount due the next month will be higher and continue to be higher until the correct minimum amount due is received.
Ms. [redacted] purchased a McLeland Design Electric Microplush Sherpa Blanket - Twin on November 23, 2015. Because of this purchase, her minimum amount due increased. We received a payment of $30.00 on December 11, 2015. Again, this did not meet the minimum payment due of $51.98. Consequently, Ms. [redacted] was charged a late fee in the amount of $27.00.
When Ms. [redacted] opened her Fingerhut Account she ag[redacted] to the terms and conditions of the credit account. Within these terms and conditions it states, "Late fees will be equal to your minimum payment due with a maximum of up to $27.00. The maximum amount will increase to $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles."
We received a payment of $21.00 on January 9, 2016 and an additional payment of $15.00 on January 11, 2016. This again did not meet the minimum amount due of $62.97. Ms. [redacted] was charged a $37.00 late fee on January 11, 2016. As a courtesy to Ms. [redacted] the $37.00 late fee that was charged on January 11, 2016 was waived.
We did not receive a payment in February or March of 2016. This resulted in two additional late fees on February 11, 2016 and March 11, 2016. Both of these late fees were the amount of $37.00.
Ms. [redacted] states she does not receive her statement via mail or online. Our records show Ms. [redacted] receives electronic statements each month to the e-mail address, GIN[redacted]@yahoo.com. If she would like to receive statements mailed to her each month, she can sign up to receive them on our website. On Fingerhut.com, customers can go to My Account, and under the My Credit Account, they can update preferences to receive and view statements.
We have enclosed a copy of Ms. [redacted]'s itemized statement to ensure a better understanding of her WebBank/Fingerhut Account.
Per Ms. [redacted]'s request on March 24, 2016 her Fingerhut Account has been closed. If Ms. [redacted]'s account was not paid in full when she closed it, her outstanding balances will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement. She will not be able to use her Account for any purchased effective immediately.
Ms. [redacted] is responsible for payments on this account. Her current balance is $627.31. A minimum payment of $156.95 is due by April 11, 2016.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
CONFIDENTIAL COMMUNICATION January 30, 2017 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted]Attn: [redacted]220 S River Ridge CircleBurnsville, 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. In Mr. [redacted]’s inquiry he states the promotional offers he was using were Fingerhut promotions and were not applied correctly to his account. Mr. [redacted] also reiterates there was no disclaimer on the ad. After reviewing Mr. [redacted]’s account we show that he tried to use promotion codes NC636 and NC968. According to our records, these promotion codes are customer specific, and were not provided to Mr. [redacted]. According to our policy only one promotion code may be used per order, so only one could have been applied at the time of purchase. Please note that all of our promotion codes are accompanied by a disclaimer, in the ‘See Details’ section at the bottom of the advertisement. If Mr. [redacted] did not see that disclaimer, then it was not an advertisement posted by our company. We have checked the promotion codes available to Mr. [redacted] by our catalogs and website, and show the promotion code NC254 was available. We are willing to apply this promotion code for 15% off his order. This will provide a discount of $30.14 to his order, making the total $223.80. If Mr. [redacted] would like this promotion code applied to his order, he 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/AH
Verizon cannot update another carrier’s database. This complaint should be referred to [redacted].
CONFIDENTIAL COMMUNICATION
March 23, 2016
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 Credit Account and related SafeLine Account Protection Plus plan (SafeLine Plus).
Our records show that Ms. [redacted] elected to enroll in SafeLine Plus on December 20, 2012 while completing an application for credit on the Fingerhut website. This is an optional debt-waiver plan offered by the issuer of the Fingerhut credit account; the monthly fee is $1.19 for every $100 of the credit account statement balance and is disclosed in the "fees" section of the customer's monthly statement.
Since early 2014, Ms. [redacted] has opened multiple separate benefit claims with SafeLine and its various categories of covered life events. While Ms. [redacted] does not specify any one claim in particular or a timeframe in which her credit reporting was affected, we received and reviewed all of SafeLine's records for Ms. [redacted]'s recent benefit claims. We found that, with each benefit, there was a common occurrence in which SafeLine received insufficient documentation back from Ms. [redacted], and they had to send additional correspondence and make additional attempts to receive the proper proof that was needed to approve the benefit.
Ms. [redacted] recently initiated claims for:
"Life Event - General" on November 23, 2015
"Life Event - Care for Spouse/Family Member" on January 8, 2016
"Life Event - Change of Primary Address" on January 8, 2016
"Life Event - Reduction in Work Hours" on January 16, 2016, and another
"Life Event - Care for Spouse/Family Member" on February 10, 2016.
For the first benefit claim, Ms. [redacted] returned documentation to SafeLine indicating she wanted to open a benefit for "college graduation". On December 16, 2015 a letter of benefit denial was sent because graduation from schooling is not a covered life event per the SafeLine contract terms. For the second benefit claim, Ms. [redacted] returned a completed application, but it did not include proof of expenses for her care of a sick spouse/family member. On January 20, 2016, SafeLine sent a letter requesting the missing information and stating that, without it, no benefits could be approved.
Her third benefit claim was approved, and she received one monthly benefit payment which posted to her account on January 19, 2016 for $75.51. This was the maximum number of benefits allowed for the "change of address" event type per SafeLine's contract terms. Her fourth benefit was also approved, on March 3, 2016--after Fingerhut waited for an extended period to receive additional documentation from Ms. [redacted]. She did meet the eligibility requirements for the "reduction in work hours" benefit. To date, this benefit has paid a total of $148.53 ($75.51 plus $73.02) to Ms. [redacted]'s account, which represented the current minimum payment due for the months of January and February 2016 during which time the event occurred. These two benefit payments posted to her account on March 3, 2016.
Ms. [redacted]'s fifth and latest benefit claim she initiated was approved on February 23, 2016 when SafeLine received documentation to substantiate her care for a sick spouse/family member. To date, this benefit also has paid a total of $148.53 ($75.51 plus $73.02) to her account, as it represented the current minimum payment due for the months of January and February 2016 during which time the event occurred. These two benefit payments posted to her account on February 23, 2016.
Please be advised that in all correspondence SafeLine sent Ms. [redacted], it was clearly stated that she remained responsible to make her monthly payments until she received notification from them that a claim was approved. However, when the above referenced benefit payments posted to her account due to her claims being approved, the late fees from January and February 2016 were credited as a result. These credits are reflecting on Ms. [redacted]'s statement dated March 7, 2016.
We reviewed the credit reporting of Ms. [redacted]'s account and maintain that it has been reported accurately.
We cannot revise any past reporting information to the credit bureaus for the reasons stated above, and because we are required by law (Fair Credit Report Act) to furnish accurate reporting.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Initial Business Response /* (1000, 8, 2015/08/13) */
CONFIDENTIAL COMMUNICATION
August 13, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted], [redacted]
Dear Ms. [redacted],
I am writing...
in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Our records confirm Mr. [redacted] purchased a Polaroid 18Megapixel 8X-Zoom Camera on December 4, 2014 and an AT&T DECT 6.0 Corded & Cordless Phone on March 21, 2015.
We regret to learn of the problem Mr. [redacted] states he has experienced with the camera and also his report of not receiving one of the two handsets included with the phone.
Given the circumstances unique to Mr. [redacted]'s situation with each of these items, we can offer the following resolution. We have issued an account credit covering the full cost of the camera, including shipping/handling. This was already applied to his account and will appear on a future monthly statement for his records. The camera is his to keep or otherwise do with as he chooses.
Additionally, we are sending a new replacement, identical to the first, for the AT&T phone that will include both handsets. Mr. [redacted] will be notified by email when the replacement is shipped along with an estimated delivery date and shipment tracking number.
Our customers are important to us and we strive to assist and satisfy them. With the corrective measures we have taken we trust that we have done so with Mr. [redacted].
Thank you for allowing us to assist and explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (2000, 10, 2015/08/16) */
(The consumer indicated he/she ACCEPTED the response from the business.)
that is fine wish this was done by them at first.customers should always get prompt and courteous service. thanks god bless
The case was acknowledge upon receipt and sent to a specialist for resolution. According to our records, the customer did place an order on December *, 2016 with a December **, 2016 due date. The account was set up and the customer disconnected the service on the same day December **,...
2016. The customer did have to give a $250.00 deposit to establish internet service. The refund check of $250.00 was processed on October **, 2017 and the customer should receive it in seven to ten days at the address on file.
According to our records, a Verizon representative spoke to [redacted] on March *, and offered to cancel the existing service and change it to a month to month rate with no early termination fee. [redacted] advised the representative he felt this was fair. The representative has scheduled a...
follow up to review the March billing statement to make sure it is correct.
[redacted] CONFIDENTIAL COMMUNICATIONMarch 28, 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 inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account. Mr. [redacted] states even though his account was sold, Fingerhut accepted payments on February 8, 2016 and February 10, 2016. Mr. [redacted] further states he was told the payments should have been forwarded a couple of days after they were received, but the collection agency, Jefferson Capital, still has not been notified. As he made the payments a month before Jefferson Capital reported the account to the credit bureaus, Mr. [redacted] is requesting that Jefferson Capital to delete their trade line and for Fingerhut to update their trade line to reflect paid.According to our records, an application for credit was processed June 24, 2013 when an order was placed online for a Lee Men's Carpenter Shorts and a Lee Men’s Belted Cargo Short - Regular. The name and address on the application is the same one Mr. [redacted] provided when contacting us regarding this issue.Payments were processed with a checking account, MasterCard and Visa debit card in the name [redacted]. The last payment received was on May 22, 2015 for $50.00. Mr. [redacted]’s account charged off with an unpaid balance of $883.89 on December 11, 2015 and Fingerhut ceased collection activity. The account was sold to Jefferson Capital on December 30, 2015. Fingerhut reported Mr. [redacted]’s account to the credit bureaus on January 13, 2016 as Transfer/Sold with a balance of zero. No further updates have been sent as Fingerhut no longer owns the account.According to our records, Mr. [redacted] made an online payment of $557.89 on February 8, 2016. On February 10, 2016, a second online payment for $326.00 was received. Had Mr. [redacted] contacted Fingerhut before he processed the payments online, he would have been redirected to Jefferson Capital. We have verified that Mr. [redacted]’s two payments received after the account was sold were forwarded to Jefferson Capital on March 10, 2016. Please be advised that it can take up to sixty days for the payments to be forwarded and applied once an account is sold. Mr. [redacted] corresponded with an agent via our online chat feature on February 29, 2016 and March 18, 2016. Mr. [redacted] was advised the money would be forwarded, but no time frame was provided. According to an account review on March 22, 2016, Fingerhut is reporting Mr. [redacted]’s account accurately as Transfer/Sold or Purchased By Another Lender with a balance and past due of zero. 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]’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 Mr. [redacted] has questions about what Jefferson Capital may be reporting, he may contact them directly ###-###-####. Thank you for allowing us to explain.Sincerely,Kari [redacted]Executive Care TeamKD/lg