I am rejecting this response because:
Consumer stated they have not received a call from the business. Consumer stated they have left multiple voicemails on the phone number provided and have not received a call back.
CONFIDENTIAL COMMUNICATION April 12, 2018 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted] Dear Mr. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut FreshStart Installment Loan Account for Ms. [redacted]. Ms. [redacted] states she ordered a Graco Simple Swing as a gift for her daughter, who put it together and found it was defective. At first, Ms. [redacted]’s request was granted for an exchange, but the return labels were mailed to her instead of her daughter. However, she states the exchange was later denied, as the 30-day time period to do so had passed and could no longer be honored. Ms. [redacted] prefers to still receive an exchange; in the absence of that option, she requests a complete refund of $208.39. We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review. Sincerely, Vi [redacted]Executive Care TeamVF/ah
an earlier email to the Revdex.com on which I enclosed the records I have from me to Fingerhut. They are totally lying about not having records of me talking to them or sending letters to the company. I am for the second time enclosed the copy of some of the documents I have.Sincerely,[redacted]
CONFIDENTIAL COMMUNICATION March 13, 2017 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a Webank/Fingerhut credit account. Ms. [redacted] states she had a Fingerhut credit accounts several years ago. Ms. [redacted] states Fingerhut will not speak to her or respond to letters she has sent over the years. Ms. [redacted] states she does not owe Fingerhut money, yet they are reporting negatively on her credit report. Ms. [redacted] would like to speak to someone about removing the remarks from her credit report. Based on our research, Fingerhut responded to Ms. [redacted]’ direct disputes on September 30, 2016 and November 9, 2016. Fingerhut also responded to Ms. [redacted]’ credit bureau disputes on April 7 and 8, 2015; June 1, 2015; June 14 and 22, 2016; September 21 and 22, 2016; and March 8, 2017. In addition, Ms. [redacted] received monthly billing statements and collection letters. We were unable to locate any record of Ms. [redacted] contacting Fingerhut in which the agent refused to speak with her. According to our records, an application for credit with Fingerhut was processed online December 22, 2013. The name and address on the application is the same one provided when contacting us regarding this issue. At the time of the online application, customers are required to check a box that read: “Yes, I understand that I am providing authorization for WebBank to obtain information from my credit report in order to confirm my identity.” The first order was placed on December 22, 2013 for an ASUS MeMO Pad 16GB 10.1" Full HD Tablet. A second order was placed on February 27, 2014 for JVC DJ Style Headphones with a 2 Year Service Plan. Both orders were shipped via SmartPost to Ms. [redacted]’ address on Lodgehill Road. Fingerhut received payments processed with a MasterCard debit ending in 2890 in the name [redacted]. The last payment for $58.98 was received on February 9, 2014. As no additional payments were received, the account charged off with an unpaid balance of $562.06 on October 5, 2014 and the account was sold to Jefferson Capital on October 31, 2014. Fingerhut is no longer collecting on this debt. According to an account review on March 8, 2017, Equifax, Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a zero balance. 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 your Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Ms. [redacted] has questions about what Jefferson Capital may be reporting, please contact them directly ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/lg CONFIDENTIAL COMMUNICATION March 10, 2017 Revdex.com of Minnesota �...⇄ Attn: Ms. [redacted]220 S. River Ridge CircleBurnsville, MN 55337 Re: [redacted]Case #: [redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a Webank/Gettington credit account. Ms. [redacted] states she had a Gettington credit account several years ago. Ms. [redacted] states Gettington will not speak to her or respond to letters she has sent over the years. Ms. [redacted] states she does not owe Gettington any money, yet they are reporting negatively on her credit report. Ms. [redacted] would like to speak to someone about removing the remarks from her credit report. Based on our research, Gettington responded to direct disputes from Ms. [redacted] on September 30, 2016 and November 9, 2016. Gettington also responded to Ms. [redacted]’ credit bureau disputes on April 9, 2015; June 1, 2015; June 13 and 24, 2016; July 15, 2016; October 26 and 27, 2016; and November 1, 2016. In addition, Ms. [redacted] received monthly billing statements and collection letters. We were unable to locate any record of Ms. [redacted] contacting Gettington in which an agent refused to speak with her. According to our records, an application for credit with Fingerhut was processed online November 14, 2013. The name and address on the application is the same one provided when contacting us regarding this issue. At the time of the online application, customers are required to check a box that read: “Yes, I understand that I am providing authorization for WebBank to obtain information from my credit report in order to confirm my identity.” The first order was placed on December 22, 2013 for a Conair Pro Style 1875W Hard Hat Dryer with a 2 Year Service Plan. A second order was placed on April 6, 2014 for a Magic Bullet Express Blender with a 2 Year Service Plan. Both orders were shipped via UPS and SmartPost to Ms. [redacted]’ address on Lodgehill Road. Fingerhut received payments processed with a MasterCard debit card ending in 2890 in the name [redacted]. Additional payments were processed with a Visa debit card ending in 4438 in the name [redacted]. The last payment for $30.00 was received on March 31, 2014. As no additional payments were received, the unpaid balance of $226.72 charged off on October 24, 2014 and the account was sold to Jefferson Capital on November 28, 2014. Gettington is no longer collecting on this debt. According to an account review on March 8, 2017, Equifax, Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a zero balance. 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 your Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Ms. [redacted] has any additional questions or concerns, Jefferson Capital may be reached directly at ###-###-####. Thank you for allowing us to explain. Sincerely, Kari [redacted]Executive Care Team KD/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.Thank You Revdex.com after being told many times I didn't qualify for an account with them it has been solved and I was approved for a new account now.
CONFIDENTIAL COMMUNICATION
March 18, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted] states she is being harassed for late fees which were applied to her account.
Late fees are applied to customers' accounts when a payment is made past the due date or is less than the minimum amount due. Representatives from our Payment Department call customers who are showing past due on their account, to remind them that a payment was due and to assist customers in bringing the account back into a current status.
Our records indicate a minimum payment of $165.51 was due by January 20, 2016 and when it was not received, a late fee of $27.00 was applied.
Ms. [redacted]'s January 24, 2016 billing statement indicated a minimum payment of $347.63 due by February 20, 2016 with $165.51 of this amount past due. We did received payments of $165.51 on February 3, 2016 and $155.00 on February 17, 2016, totaling $320.51 prior to the due date of February 20, 16. However, A payment of $347.63 was due by February 20, 2016 and when this payment amount was not received by this date, a late fee of $37.00 was applied.
Our records also indicate that two late fee credits were issued in the amounts of $37.00 and $27.00 to Ms. [redacted]'s account on March 1, 2016. These will show as late fee adjustments in the transaction portion of Ms. [redacted]'s next statement.
At this time, we currently show a minimum due of $198.70 due by March 24, 2016 with $27.12 of this amount past due. Mr. [redacted] may make a payment on our website, www.fingerhut.com or by calling our Customer Service Department at [redacted], Monday through Friday from 8:00am to 8:00pm, Central Time.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
CONFIDENTIAL COMMUNICATION June 2, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [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. Mr. [redacted] states he will send a payment for the amount owed after he receives his disability check. We appreciate the payment Mr. [redacted] is going to make on his account. Again, his current balance is $152.69. A minimum payment of $69.96 is due by June 27, 2016. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: I am not satisfied that scam artists have my personal information. It is my request for it to be destroyed and if it is not I will have to get a lawyer.
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 the teeth whitening system he purchased is not working correctly. He states the on/off button is faulty and would like to return the product to Fingerhut. Our records indicate Mr. [redacted] purchased a Million Dollar Smile TrueWhite 7-LED 3 Step Teeth Whitening System on May 28, 2016. On June 13, 2016 a prepaid postage label was mailed to Mr. [redacted]. Once we receive the return the item will be examined to determine if credit will be issued for the defect Mr. [redacted] is claiming. For future reference we would like Mr. [redacted] to be aware of our return policy which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” As Mr. [redacted] is returning the teeth whitening system to Fingerhut he is still required to make the minimum payments due on his account. At this time the current balance on Mr. [redacted] account is $4,326.42. The estimated minimum payment due by July 18, 2016 is $216.00. The exact amount due will be shown on his billing statement which will be printed on June 22, 2016. If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday through Friday 8AM-8PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION October 20, 2017 Revdex.com of Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Mr. [redacted], I am writing in response to the further complaint we received from Ms. [redacted]. Ms. [redacted] offers additional feedback expanding on her poor experience while waiting for a resolution to her fraud claim with us. She is certain that all pages of the police report were in the envelope she mailed, and feels our records are incorrect. We also need to address why we sent her incorrectly dated letters while processing her claim. Ms. [redacted] states her biggest concern is that she did not give consent to Fingerhut to conduct a hard credit inquiry on her credit report. We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review. Sincerely, Vi [redacted]Executive Care Team VF/ah
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. Ms. [redacted] states she ordered a loveseat and recliner seat covered from Fingerhut and never received the merchandise. She states she filed reports with the local shipper as well as the police department but has not been credited for the missing merchandise. She would like all charges for this order be taken off her account and close her account. Our records indicate Ms. [redacted] purchased a Sure Fit Stretch Suede Recliner Slipcover and a Sure Fit Stretch Suede Loveseat Slipcover on July 26, 2016. On August 8, 2016 Ms. [redacted] contacted Fingerhut stating she did not receive the ordered merchandise. At this time she stated she would fill out a legal affidavit online. Due to the monetary value of the merchandise ordered Ms. [redacted] was required to file a police report. We received the completed affidavit from Ms. [redacted] on August 9, 2016, however we did not receive the requested police report. On that same date an additional affidavit was e-mailed to Ms. [redacted]. We received the second completed affidavit back on September 11, 2016. This document was also denied due to not supplying a filed police report. We received the requested police report from Ms. [redacted] on September 19, 2016. On the same date the entire order placed on July 26, 2016 was credited to her account. Ms. [redacted] will be able to see the credit in the amount of $311.52 on her next billing statement. Per Ms. [redacted]’s request her Fingerhut account was closed on September 14, 2016. If her account was not paid in full when she closed it, her outstanding balance will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement. At this time Ms. [redacted]’s current balance is $791.21. A minimum payment of $69.99 is due by October 20, 2016. If Ms. [redacted] has any further questions she may contact Fingerhut 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
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [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] placed an order for a Polaroid 18MP 8X Zoom Camera Bundle with a 2 yr. Extended Service Plan (ESP) and an Ariat Women’s Fatbaby Heritage Riding Boot Tan Size 6.5 on November 15, 2015 on our website. On November 17, 2015 the boots were cancelled because they were out of stock. The camera bundle with ESP was shipped and delivered to Ms. [redacted]. The order total for the camera bundle and ESP was $139.97. On November 28, 2015 Ms. [redacted]’s statement cycled and reflected a minimum payment due of $14.99 by December 24, 2015. Our return policy is listed in our catalogs and on our website and is as follows: We will exchange your product or give you a refund for most items returned in new condition within 30 days after date of purchase. Returns will not be accepted for credit after 90 days. If you have any problems with a product, please check the manufacturer’s warranty. Fingerhut provides a convenient prepaid return label service for most products. You can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer Service. Pre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accounts. Contact Customer Service for help with your return. There is no upfront fee when using the return label. There is no fee for using the return label if you received a damaged of defective product or in the case of a shipping error. The final determination of product condition is subject to our inspection. Return fees not covered by Fingerhut will be deducted from your credit based on the weight of the package. The original shipping and handling is nonrefundable if your item is not damaged or defective or in the case of a shipping error. We received the return of the camera bundle on December 29, 2015 and Ms. [redacted]’s account was credited in the amount of $122.03. The original shipping and handling charges of $9.99 were not credited. A return fee of $7.95 was also applied. We received an email from Ms. [redacted] on January 5, 2016 in which she stated she was not paying a late fee for something she returned to us. We sent an email to Ms. [redacted] explaining the shipping and handling charges are non-refundable. Since a minimum payment was due prior to the return being received and credited, Ms. [redacted] is responsible for the remaining charges on the account. We have credited two late fees as a courtesy in the amount of $66.98. The remaining balance on Ms. [redacted]’s account is $45.24 as of the date of this letter. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I would only ask that in the future I wouldn't have to go to these lengths to get an answer confirming what happens with my account.
CONFIDENTIAL COMMUNICATION December 7, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry she stated that she will be returning both Xbox One’s and expects a full refund. Ms. [redacted] stated that she took the systems to a local store who confirmed that she received two incorrect systems. We have issued (2) special prepaid labels for Ms. [redacted] to return the (2) items to Fingerhut. These labels will allow our returns center to inspect them as we believe that the merchandise being shipped are the Xbox One “S”, but based on Ms. [redacted]’s findings, we would like to confirm. If our Returns Department finds a shipping error occurred and she was sent the wrong item, we will cover the shipping. If they find Ms. [redacted] was sent the correct item, Ms. [redacted] will remain responsible for the shipping per our return policy, which states, the customer is responsible unless in cases of damages, defects, or shipping errors. Ms. [redacted] will be credited the full amount of the service plan that was purchased on her first order once we have the return. We apologize for any inconvenience caused to Ms. [redacted]. Should Ms. [redacted] have any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
2017 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [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] states Fingerhut sent her a camera that she did not order, and she returned the unopened merchandise to Fingerhut. Fingerhut received the return but continued to bill her for the camera. Ms. [redacted]’s desired resolution is to receive in writing the camera was returned. Records indicate a Polaroid Purple 8MP Digital Camera, a PQI 2GB SD Flash Card and a Double Cereal Dispenser were purchased from Fingerhut on September 11, 2008. The items were sent to the same address that is on Ms. [redacted]’s complaint. Our records also indicate that we received a Revdex.com complaint from Ms. [redacted] in June of 2009. In that complaint, Ms. [redacted] states she wanted to order a camera but believes she was sent the wrong camera. We had no contact from Ms. [redacted] before she returned the camera. Had she contacted us, we could have provided the return information at that time. Fingerhut received the return of the camera from Ms. [redacted] on November 26, 2008. Due to the length of time that has passed since the purchase date we were unable to accept the return as we require returns to be made in accordance with our return policy which states: We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only. This item was returned to Ms. [redacted] on December 16, 2008. A letter explaining the return policy in detail was sent to Ms. [redacted] on January 28, 2009. On March 9, 2009 Ms. [redacted] returned the camera a second time to Fingerhut. Upon receiving this return a letter was sent to Ms. [redacted] in which stated, “We are not issuing any credit for the merchandise and we are no longer able to send it back to you.” On May 5, 2009 this item was disposed of. Due to severe delinquency Ms. [redacted]’s account was charged off on November 26, 2009 with a balance owing of $381.22. This account was then subsequently sold on February 28, 2012 to Jefferson Capital. For all concerns regarding this account Ms. [redacted] will need to contact Jefferson Capital at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
I am rejecting this response because:The web site failed to warn me with a pop-up box (when I clicked on the 2 day Delivery) that this means the order will be Processed the next business day and then 2 (Business) days shipping (Not including weekends) once it leaves the ware house. If the web site had given me a warning box with an explanation like that I would not have wasted my money! It is good business practice to make sure the customer is clear on just how many days are involved! [redacted]
I am rejecting this response because: First thing is that, As instructed in the reply from Vi [redacted], I contacted that number that I was instructed to contact and he was totally confused about all of it, so still not able to get a new airbed. Second, the part that I did not contact anyone with Fingerhut is totally a lie! I contacted several people in regards to that Airbed. If I had not spoken with anyone, then how and why did my sister get a check sent to her for the price of the bed, how did I have names of individuals and numbers that I called???. So I had to speak with someone in the company to get that accomplished. Third thing is had his personnel have know all the instructions in regards to how to process a manufacture warranty program, this would all be a mute point, because I would have contacted that number in the first place, and I would have the new bed by now and I would not be writing this complaint to the Revdex.com. Which in it self is interesting, because I was the one who purchased the bed, but she was then one who got the refund for the bed, shouldn't the refund come back to the person who purchased the bed????. After all, it was my account. So I am rejecting this response because of those reasons. I am not totally satisfied, but it is no longer important. My sister did receive a check for the price I paid for the bed, minus the 2 year service contract price and shipping and handling of the bed, and that being said, I will be paying this account off in a couple of weeks and I will close the account out. That will be my satisfaction with this situation. Thank you for trying to assist me in getting a resolution in this matter.
CONFIDENTIAL COMMUNICATION
March 23, 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.
We are sorry that Ms. [redacted] was told in November of 2015 that her due date would be changed. Our records indicate that on November 25, 2015 while Ms. [redacted] was on the phone with a representative who agreed to change her due date, she hung up before he was able to process this change. We advise it can take one to two billing cycles to be updated however, we show that the due date has remained the 7th of every month and has not changed.
There are no notes indicating a billing date change from our contact with Ms. [redacted] on December 1, 2015, however the note does mention that she would be able to pay on the third of each month. As a courtesy we have waived the last two late fees of $29.98 and $14.99.
Ms. [redacted] has expressed she would like her due date later in the month, but we need to speak to her to make this change. We attempted to contact Ms. [redacted] by phone on March 23, 2016 regarding her inquiry but were unsuccessful. We need Ms. [redacted] to call us at ###-###-#### so we may assist her further. As a reminder, we strongly encourage our customers to make payments on our website or by phone (same day or scheduled future payments) in an effort to avoid the possibility of late payments when mailed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Business Response /* (1000, 5, 2015/12/17) */
December 17, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am...
writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that Fingerhut is reporting a thirty day late on his credit report, which resulted from an unauthorized order placed on his account. Mr. [redacted] is requesting that the delinquent remark for August 2013 be removed and his account closed.
According to our records, an order was placed on Mr. [redacted]'s WebBank/Fingerhut credit account on April 24, 2013 and shipped to an address in Alabama.
Fingerhut attempted to make contact with Mr. [redacted] when the account became delinquent, but were unable to reach him. Fingerhut also sent monthly statements beginning in May 2013 to Mr. [redacted]'s address in Bakersfield California. A dispute from Trans Union was received in July 2013, to which Fingerhut replied with a letter and itemized statement.
Mr. [redacted] contacted Fingerhut by phone in August 2013 stating there was an unauthorized order on his account. After receiving a police report and signed unauthorized merchandise affidavit, Mr. [redacted]'s account received full credit for the merchandise.
Per Mr. [redacted]'s request, his account was closed on December 10, 2015.
A dispute received from Trans Union was updated to "Closed at Customer's Request" and the thirty day delinquency reporting for August 2013 was removed. (Control # [redacted])
According to an account review on December 14, 2015, Equifax, Trans Union and Experian are reporting Mr. [redacted]'s account as "Closed at Customer's Request" and the delinquency reporting for August 2013 has been updated to current.
Thank you for allowing us to assist and explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Initial Consumer Rebuttal /* (2000, 7, 2015/12/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Matter has been resolved. Thank you
I am rejecting this response because:
Consumer stated they have not received a call from the business. Consumer stated they have left multiple voicemails on the phone number provided and have not received a call back.
CONFIDENTIAL COMMUNICATION April 12, 2018 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted] Dear Mr. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut FreshStart Installment Loan Account for Ms. [redacted]. Ms. [redacted] states she ordered a Graco Simple Swing as a gift for her daughter, who put it together and found it was defective. At first, Ms. [redacted]’s request was granted for an exchange, but the return labels were mailed to her instead of her daughter. However, she states the exchange was later denied, as the 30-day time period to do so had passed and could no longer be honored. Ms. [redacted] prefers to still receive an exchange; in the absence of that option, she requests a complete refund of $208.39. We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review. Sincerely, Vi [redacted]Executive Care TeamVF/ah
[redacted]Document Attached[redacted]
(Fair-Credit-Billing.pdf)
I am rejecting this response because:I send...
an earlier email to the Revdex.com on which I enclosed the records I have from me to Fingerhut. They are totally lying about not having records of me talking to them or sending letters to the company. I am for the second time enclosed the copy of some of the documents I have.Sincerely,[redacted]
CONFIDENTIAL COMMUNICATION March 13, 2017 Revdex.com of...
Minnesota �...⇄ Attn: Ms. [redacted] 220 S. River Ridge Circle Burnsville, MN 55337 Re: [redacted] Case #: [redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a Webank/Fingerhut credit account. Ms. [redacted] states she had a Fingerhut credit accounts several years ago. Ms. [redacted] states Fingerhut will not speak to her or respond to letters she has sent over the years. Ms. [redacted] states she does not owe Fingerhut money, yet they are reporting negatively on her credit report. Ms. [redacted] would like to speak to someone about removing the remarks from her credit report. Based on our research, Fingerhut responded to Ms. [redacted]’ direct disputes on September 30, 2016 and November 9, 2016. Fingerhut also responded to Ms. [redacted]’ credit bureau disputes on April 7 and 8, 2015; June 1, 2015; June 14 and 22, 2016; September 21 and 22, 2016; and March 8, 2017. In addition, Ms. [redacted] received monthly billing statements and collection letters. We were unable to locate any record of Ms. [redacted] contacting Fingerhut in which the agent refused to speak with her. According to our records, an application for credit with Fingerhut was processed online December 22, 2013. The name and address on the application is the same one provided when contacting us regarding this issue. At the time of the online application, customers are required to check a box that read: “Yes, I understand that I am providing authorization for WebBank to obtain information from my credit report in order to confirm my identity.” The first order was placed on December 22, 2013 for an ASUS MeMO Pad 16GB 10.1" Full HD Tablet. A second order was placed on February 27, 2014 for JVC DJ Style Headphones with a 2 Year Service Plan. Both orders were shipped via SmartPost to Ms. [redacted]’ address on Lodgehill Road. Fingerhut received payments processed with a MasterCard debit ending in 2890 in the name [redacted]. The last payment for $58.98 was received on February 9, 2014. As no additional payments were received, the account charged off with an unpaid balance of $562.06 on October 5, 2014 and the account was sold to Jefferson Capital on October 31, 2014. Fingerhut is no longer collecting on this debt. According to an account review on March 8, 2017, Equifax, Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a zero balance. 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 your Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Ms. [redacted] has questions about what Jefferson Capital may be reporting, please contact them directly ###-###-####. Thank you for allowing us to assist and explain. Sincerely, Kari [redacted] Executive Care Team KD/lg CONFIDENTIAL COMMUNICATION March 10, 2017 Revdex.com of Minnesota �...⇄ Attn: Ms. [redacted]220 S. River Ridge CircleBurnsville, MN 55337 Re: [redacted]Case #: [redacted] Dear Ms. [redacted], I am writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a Webank/Gettington credit account. Ms. [redacted] states she had a Gettington credit account several years ago. Ms. [redacted] states Gettington will not speak to her or respond to letters she has sent over the years. Ms. [redacted] states she does not owe Gettington any money, yet they are reporting negatively on her credit report. Ms. [redacted] would like to speak to someone about removing the remarks from her credit report. Based on our research, Gettington responded to direct disputes from Ms. [redacted] on September 30, 2016 and November 9, 2016. Gettington also responded to Ms. [redacted]’ credit bureau disputes on April 9, 2015; June 1, 2015; June 13 and 24, 2016; July 15, 2016; October 26 and 27, 2016; and November 1, 2016. In addition, Ms. [redacted] received monthly billing statements and collection letters. We were unable to locate any record of Ms. [redacted] contacting Gettington in which an agent refused to speak with her. According to our records, an application for credit with Fingerhut was processed online November 14, 2013. The name and address on the application is the same one provided when contacting us regarding this issue. At the time of the online application, customers are required to check a box that read: “Yes, I understand that I am providing authorization for WebBank to obtain information from my credit report in order to confirm my identity.” The first order was placed on December 22, 2013 for a Conair Pro Style 1875W Hard Hat Dryer with a 2 Year Service Plan. A second order was placed on April 6, 2014 for a Magic Bullet Express Blender with a 2 Year Service Plan. Both orders were shipped via UPS and SmartPost to Ms. [redacted]’ address on Lodgehill Road. Fingerhut received payments processed with a MasterCard debit card ending in 2890 in the name [redacted]. Additional payments were processed with a Visa debit card ending in 4438 in the name [redacted]. The last payment for $30.00 was received on March 31, 2014. As no additional payments were received, the unpaid balance of $226.72 charged off on October 24, 2014 and the account was sold to Jefferson Capital on November 28, 2014. Gettington is no longer collecting on this debt. According to an account review on March 8, 2017, Equifax, Experian and Trans Union are reporting accurately as Transfer/Sold or Purchased by Another Lender with a zero balance. 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 your Welcome Packet. It states: “If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good standing will be reported as well. If Ms. [redacted] has any additional questions or concerns, Jefferson Capital may be reached directly at ###-###-####. Thank you for allowing us to explain. Sincerely, Kari [redacted]Executive Care Team KD/lg
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me.Thank You Revdex.com after being told many times I didn't qualify for an account with them it has been solved and I was approved for a new account now.
CONFIDENTIAL COMMUNICATION
March 18, 2016
Revdex.com of Minnesota # [redacted]
Attn: [redacted]
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
Ms. [redacted] states she is being harassed for late fees which were applied to her account.
Late fees are applied to customers' accounts when a payment is made past the due date or is less than the minimum amount due. Representatives from our Payment Department call customers who are showing past due on their account, to remind them that a payment was due and to assist customers in bringing the account back into a current status.
Our records indicate a minimum payment of $165.51 was due by January 20, 2016 and when it was not received, a late fee of $27.00 was applied.
Ms. [redacted]'s January 24, 2016 billing statement indicated a minimum payment of $347.63 due by February 20, 2016 with $165.51 of this amount past due. We did received payments of $165.51 on February 3, 2016 and $155.00 on February 17, 2016, totaling $320.51 prior to the due date of February 20, 16. However, A payment of $347.63 was due by February 20, 2016 and when this payment amount was not received by this date, a late fee of $37.00 was applied.
Our records also indicate that two late fee credits were issued in the amounts of $37.00 and $27.00 to Ms. [redacted]'s account on March 1, 2016. These will show as late fee adjustments in the transaction portion of Ms. [redacted]'s next statement.
At this time, we currently show a minimum due of $198.70 due by March 24, 2016 with $27.12 of this amount past due. Mr. [redacted] may make a payment on our website, www.fingerhut.com or by calling our Customer Service Department at [redacted], Monday through Friday from 8:00am to 8:00pm, Central Time.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
CONFIDENTIAL COMMUNICATION June 2, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [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. Mr. [redacted] states he will send a payment for the amount owed after he receives his disability check. We appreciate the payment Mr. [redacted] is going to make on his account. Again, his current balance is $152.69. A minimum payment of $69.96 is due by June 27, 2016. Sincerely, Vi [redacted] Executive Care Team VF/KS
I am rejecting this response because: I am not satisfied that scam artists have my personal information. It is my request for it to be destroyed and if it is not I will have to get a lawyer.
CONFIDENTIAL COMMUNICATION June 13,...
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 the teeth whitening system he purchased is not working correctly. He states the on/off button is faulty and would like to return the product to Fingerhut. Our records indicate Mr. [redacted] purchased a Million Dollar Smile TrueWhite 7-LED 3 Step Teeth Whitening System on May 28, 2016. On June 13, 2016 a prepaid postage label was mailed to Mr. [redacted]. Once we receive the return the item will be examined to determine if credit will be issued for the defect Mr. [redacted] is claiming. For future reference we would like Mr. [redacted] to be aware of our return policy which states: “We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.” As Mr. [redacted] is returning the teeth whitening system to Fingerhut he is still required to make the minimum payments due on his account. At this time the current balance on Mr. [redacted] account is $4,326.42. The estimated minimum payment due by July 18, 2016 is $216.00. The exact amount due will be shown on his billing statement which will be printed on June 22, 2016. If Mr. [redacted] has any further questions he may contact Fingerhut Customer Service at ###-###-#### Monday through Friday 8AM-8PM Central Standard Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION October 20, 2017 Revdex.com of Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case # [redacted] – [redacted] Dear Mr. [redacted], I am writing in response to the further complaint we received from Ms. [redacted]. Ms. [redacted] offers additional feedback expanding on her poor experience while waiting for a resolution to her fraud claim with us. She is certain that all pages of the police report were in the envelope she mailed, and feels our records are incorrect. We also need to address why we sent her incorrectly dated letters while processing her claim. Ms. [redacted] states her biggest concern is that she did not give consent to Fingerhut to conduct a hard credit inquiry on her credit report. We take the privacy and protection of our customer accounts very seriously and dedicate resources to identify, resolve and permanently correct issues. In the interest of confidentiality, we have attached our response for the consumer to review. Sincerely, Vi [redacted]Executive Care Team VF/ah
CONFIDENTIAL COMMUNICATION September 27,...
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. Ms. [redacted] states she ordered a loveseat and recliner seat covered from Fingerhut and never received the merchandise. She states she filed reports with the local shipper as well as the police department but has not been credited for the missing merchandise. She would like all charges for this order be taken off her account and close her account. Our records indicate Ms. [redacted] purchased a Sure Fit Stretch Suede Recliner Slipcover and a Sure Fit Stretch Suede Loveseat Slipcover on July 26, 2016. On August 8, 2016 Ms. [redacted] contacted Fingerhut stating she did not receive the ordered merchandise. At this time she stated she would fill out a legal affidavit online. Due to the monetary value of the merchandise ordered Ms. [redacted] was required to file a police report. We received the completed affidavit from Ms. [redacted] on August 9, 2016, however we did not receive the requested police report. On that same date an additional affidavit was e-mailed to Ms. [redacted]. We received the second completed affidavit back on September 11, 2016. This document was also denied due to not supplying a filed police report. We received the requested police report from Ms. [redacted] on September 19, 2016. On the same date the entire order placed on July 26, 2016 was credited to her account. Ms. [redacted] will be able to see the credit in the amount of $311.52 on her next billing statement. Per Ms. [redacted]’s request her Fingerhut account was closed on September 14, 2016. If her account was not paid in full when she closed it, her outstanding balance will continue to accrue interest and other charges and be subject to the terms and conditions of the Agreement. At this time Ms. [redacted]’s current balance is $791.21. A minimum payment of $69.99 is due by October 20, 2016. If Ms. [redacted] has any further questions she may contact Fingerhut 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
CONFIDENTIAL COMMUNICATION March 31, 2016...
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [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] placed an order for a Polaroid 18MP 8X Zoom Camera Bundle with a 2 yr. Extended Service Plan (ESP) and an Ariat Women’s Fatbaby Heritage Riding Boot Tan Size 6.5 on November 15, 2015 on our website. On November 17, 2015 the boots were cancelled because they were out of stock. The camera bundle with ESP was shipped and delivered to Ms. [redacted]. The order total for the camera bundle and ESP was $139.97. On November 28, 2015 Ms. [redacted]’s statement cycled and reflected a minimum payment due of $14.99 by December 24, 2015. Our return policy is listed in our catalogs and on our website and is as follows: We will exchange your product or give you a refund for most items returned in new condition within 30 days after date of purchase. Returns will not be accepted for credit after 90 days. If you have any problems with a product, please check the manufacturer’s warranty. Fingerhut provides a convenient prepaid return label service for most products. You can visit our Returns Center in the My Account area of the website to print a new return label at Fingerhut.com or contact Customer Service. Pre-paid return labels are not available for truck-ship items, oversized items, or Fingerhut FreshStart accounts. Contact Customer Service for help with your return. There is no upfront fee when using the return label. There is no fee for using the return label if you received a damaged of defective product or in the case of a shipping error. The final determination of product condition is subject to our inspection. Return fees not covered by Fingerhut will be deducted from your credit based on the weight of the package. The original shipping and handling is nonrefundable if your item is not damaged or defective or in the case of a shipping error. We received the return of the camera bundle on December 29, 2015 and Ms. [redacted]’s account was credited in the amount of $122.03. The original shipping and handling charges of $9.99 were not credited. A return fee of $7.95 was also applied. We received an email from Ms. [redacted] on January 5, 2016 in which she stated she was not paying a late fee for something she returned to us. We sent an email to Ms. [redacted] explaining the shipping and handling charges are non-refundable. Since a minimum payment was due prior to the return being received and credited, Ms. [redacted] is responsible for the remaining charges on the account. We have credited two late fees as a courtesy in the amount of $66.98. The remaining balance on Ms. [redacted]’s account is $45.24 as of the date of this letter. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Revdex.com:
I have reviewed the response made by the business in reference to complaint ID [redacted], and find that this resolution is satisfactory to me. I would only ask that in the future I wouldn't have to go to these lengths to get an answer confirming what happens with my account.
CONFIDENTIAL COMMUNICATION December 7, 2016 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. In Ms. [redacted]’s inquiry she stated that she will be returning both Xbox One’s and expects a full refund. Ms. [redacted] stated that she took the systems to a local store who confirmed that she received two incorrect systems. We have issued (2) special prepaid labels for Ms. [redacted] to return the (2) items to Fingerhut. These labels will allow our returns center to inspect them as we believe that the merchandise being shipped are the Xbox One “S”, but based on Ms. [redacted]’s findings, we would like to confirm. If our Returns Department finds a shipping error occurred and she was sent the wrong item, we will cover the shipping. If they find Ms. [redacted] was sent the correct item, Ms. [redacted] will remain responsible for the shipping per our return policy, which states, the customer is responsible unless in cases of damages, defects, or shipping errors. Ms. [redacted] will be credited the full amount of the service plan that was purchased on her first order once we have the return. We apologize for any inconvenience caused to Ms. [redacted]. Should Ms. [redacted] have any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
CONFIDENTIAL COMMUNICATION March 21,...
2017 ...⇄ Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [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] states Fingerhut sent her a camera that she did not order, and she returned the unopened merchandise to Fingerhut. Fingerhut received the return but continued to bill her for the camera. Ms. [redacted]’s desired resolution is to receive in writing the camera was returned. Records indicate a Polaroid Purple 8MP Digital Camera, a PQI 2GB SD Flash Card and a Double Cereal Dispenser were purchased from Fingerhut on September 11, 2008. The items were sent to the same address that is on Ms. [redacted]’s complaint. Our records also indicate that we received a Revdex.com complaint from Ms. [redacted] in June of 2009. In that complaint, Ms. [redacted] states she wanted to order a camera but believes she was sent the wrong camera. We had no contact from Ms. [redacted] before she returned the camera. Had she contacted us, we could have provided the return information at that time. Fingerhut received the return of the camera from Ms. [redacted] on November 26, 2008. Due to the length of time that has passed since the purchase date we were unable to accept the return as we require returns to be made in accordance with our return policy which states: We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 90 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only. This item was returned to Ms. [redacted] on December 16, 2008. A letter explaining the return policy in detail was sent to Ms. [redacted] on January 28, 2009. On March 9, 2009 Ms. [redacted] returned the camera a second time to Fingerhut. Upon receiving this return a letter was sent to Ms. [redacted] in which stated, “We are not issuing any credit for the merchandise and we are no longer able to send it back to you.” On May 5, 2009 this item was disposed of. Due to severe delinquency Ms. [redacted]’s account was charged off on November 26, 2009 with a balance owing of $381.22. This account was then subsequently sold on February 28, 2012 to Jefferson Capital. For all concerns regarding this account Ms. [redacted] will need to contact Jefferson Capital at ###-###-####. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/ks
I am rejecting this response because:The web site failed to warn me with a pop-up box (when I clicked on the 2 day Delivery) that this means the order will be Processed the next business day and then 2 (Business) days shipping (Not including weekends) once it leaves the ware house. If the web site had given me a warning box with an explanation like that I would not have wasted my money! It is good business practice to make sure the customer is clear on just how many days are involved! [redacted]
I am rejecting this response because: First thing is that, As instructed in the reply from Vi [redacted], I contacted that number that I was instructed to contact and he was totally confused about all of it, so still not able to get a new airbed. Second, the part that I did not contact anyone with Fingerhut is totally a lie! I contacted several people in regards to that Airbed. If I had not spoken with anyone, then how and why did my sister get a check sent to her for the price of the bed, how did I have names of individuals and numbers that I called???. So I had to speak with someone in the company to get that accomplished. Third thing is had his personnel have know all the instructions in regards to how to process a manufacture warranty program, this would all be a mute point, because I would have contacted that number in the first place, and I would have the new bed by now and I would not be writing this complaint to the Revdex.com. Which in it self is interesting, because I was the one who purchased the bed, but she was then one who got the refund for the bed, shouldn't the refund come back to the person who purchased the bed????. After all, it was my account. So I am rejecting this response because of those reasons. I am not totally satisfied, but it is no longer important. My sister did receive a check for the price I paid for the bed, minus the 2 year service contract price and shipping and handling of the bed, and that being said, I will be paying this account off in a couple of weeks and I will close the account out. That will be my satisfaction with this situation. Thank you for trying to assist me in getting a resolution in this matter.
CONFIDENTIAL COMMUNICATION
March 23, 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.
We are sorry that Ms. [redacted] was told in November of 2015 that her due date would be changed. Our records indicate that on November 25, 2015 while Ms. [redacted] was on the phone with a representative who agreed to change her due date, she hung up before he was able to process this change. We advise it can take one to two billing cycles to be updated however, we show that the due date has remained the 7th of every month and has not changed.
There are no notes indicating a billing date change from our contact with Ms. [redacted] on December 1, 2015, however the note does mention that she would be able to pay on the third of each month. As a courtesy we have waived the last two late fees of $29.98 and $14.99.
Ms. [redacted] has expressed she would like her due date later in the month, but we need to speak to her to make this change. We attempted to contact Ms. [redacted] by phone on March 23, 2016 regarding her inquiry but were unsuccessful. We need Ms. [redacted] to call us at ###-###-#### so we may assist her further. As a reminder, we strongly encourage our customers to make payments on our website or by phone (same day or scheduled future payments) in an effort to avoid the possibility of late payments when mailed.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/jm
Initial Business Response /* (1000, 5, 2015/12/17) */
December 17, 2015
Revdex.com of Minnesota
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: [redacted]
Case #: [redacted]
Dear Ms. [redacted],
I am...
writing in response to an inquiry received from your office on behalf of Mr. [redacted] regarding his WebBank/Fingerhut Credit Account.
Mr. [redacted] states that Fingerhut is reporting a thirty day late on his credit report, which resulted from an unauthorized order placed on his account. Mr. [redacted] is requesting that the delinquent remark for August 2013 be removed and his account closed.
According to our records, an order was placed on Mr. [redacted]'s WebBank/Fingerhut credit account on April 24, 2013 and shipped to an address in Alabama.
Fingerhut attempted to make contact with Mr. [redacted] when the account became delinquent, but were unable to reach him. Fingerhut also sent monthly statements beginning in May 2013 to Mr. [redacted]'s address in Bakersfield California. A dispute from Trans Union was received in July 2013, to which Fingerhut replied with a letter and itemized statement.
Mr. [redacted] contacted Fingerhut by phone in August 2013 stating there was an unauthorized order on his account. After receiving a police report and signed unauthorized merchandise affidavit, Mr. [redacted]'s account received full credit for the merchandise.
Per Mr. [redacted]'s request, his account was closed on December 10, 2015.
A dispute received from Trans Union was updated to "Closed at Customer's Request" and the thirty day delinquency reporting for August 2013 was removed. (Control # [redacted])
According to an account review on December 14, 2015, Equifax, Trans Union and Experian are reporting Mr. [redacted]'s account as "Closed at Customer's Request" and the delinquency reporting for August 2013 has been updated to current.
Thank you for allowing us to assist and explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Initial Consumer Rebuttal /* (2000, 7, 2015/12/21) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Matter has been resolved. Thank you