Dear Ms. [redacted], Please see my attached letter to your office regarding [redacted]’s concerns. My response exceeds the 2000 character limit so I have attached it to this inquiry. Thank you, Lea [redacted] Haband Customer Service Bluestem Brands, Inc.
10th is when I placed the order. I did not receive the item until sometime between March 22nd - 29th. At the time I purchased the item the policy for personalized items was stated as 60 days after the date it was delivered. My first two attempts to return the item were denied. My third attempt during mid June was accepted and then denied upon receiving the item. I only wore the necklace twice and stored it in the original box.
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 purchased a Dell computer from Fingerhut. He states the computer is not working properly and neither Dell nor Fingerhut would help with this issue. Our records indicate Mr. [redacted] purchased a Dell Inspiron 15.6" HD 4GB Windows 8.1 Laptop Computer on August 16, 2015. Mr. [redacted] contacted Fingerhut on January 25, 2016 stating his computer was not working properly. At this time Mr. [redacted] was correctly advised he would need to contact the products manufacturer as we require returns to be made in accordance with Fingerhut’s 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.” Due to the length of time that has passed since Mr. [redacted]’s purchase, any requests to repair or replace the device should be referred and handled by the product’s manufacturer. For all concerns with this item, Mr. [redacted] should contact Dell at ###-###-#### Monday through Friday 8AM-9PM. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team
Initial Business Response /* (1000, 6, 2015/08/06) */
CONFIDENTIAL COMMUNICATION
August 5, 2015
Revdex.com of Minnesota Account #: [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, Terms and Conditions.
Ms. [redacted] states in her complaint that she is receiving collection calls twice an hour up to ten hours per day. Ms. [redacted]' desired resolution is for the calls to cease.
Based on the call logs associated with Ms. [redacted]' account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Time. Our records also indicate Fingerhut never attempted to contact Ms. [redacted] more than six times in a day while her account was in a delinquent status.
Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Ms. [redacted]' account is in a current status. We thank Ms. [redacted] for her most recent payment of $50.00 on July 24, 2015.
An updated statement will be generated on August 13, 2015 with Ms. [redacted]' new account balance and minimum payment that will be due on September 9, 2015.
If Ms. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303.
Please note, if a cease and desist status is placed on Ms. [redacted]' account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Ms. [redacted]' account would also be closed to future purchases and additional purchases on the account will not be allowed. However, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order.
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Ms. [redacted]' account is still subject to the original terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
Initial Consumer Rebuttal /* (3000, 8, 2015/08/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They are now closing my account because of there carelessness. I have PROOF I received several calls before 8am. The point of my dispute was the constant harassing calls. to receive more than one call a day or 3 calls a day is harassment. I was receiving multiple calls every hour 10 hrs a day. They are clearly condoning there collection practice of harassing customers. My complaint was about harassment. There constant harassment is a violation. I have PROOF! To harass a person/customer is NOT acceptable and I will NOT bow down and accept this response from them. I have calls logs too and can prove I received several calls before 8am! Now they are closing my account, and punishing me for there harassment and violations. Nice. I feel I have NO choice but to escalate this and confer with an attorney. One thing I have learned. Its not what you know, its what you can prove. I CAN PROVE IT, between the recorded calls and call logs I can prove my case.
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]
I am writing in response to the inquiry...
we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Our records indicate Ms. [redacted]'s first billing statement was printed on February 7, 2015. The minimum payment of $20.00 was due by March 3, 2015. A payment of $33.89 was received on February 27, 2015. On March 7, 2015 Ms. [redacted]'s billing statement cycled and a new statement was sent. The minimum payment of $20.00 was due by April 3, 2015. A payment of $25.00 was received on March 13, 2015. On April 7, 2015 when Ms. [redacted]'s statement cycled again, the minimum payment due by May 3, 2015 was $20.00. A payment was received of $25.82 on April 10, 2015 and $1.00 on April 27, 2015. On May 7, 2015 the statement cycled and a minimum payment of $20.00 was due by June 3, 2015. A payment was received on June 4, 2015 of $30.00. This payment was received after the due date listed and a late fee of $20.00 was assessed to her account per the terms and conditions she agreed to at the time the account was opened.
On June 7, 2015 a statement printed and the minimum payment of $20.00 was due by July 3, 2015. On June 15, 2015, Ms. [redacted] contacted us and requested to change the due date on her account. The due date was changed per her request to the 11th of each month and took effect on her July 15, 2015 billing statement due by August 11, 2015. She also requested the late fee of $20.00 to be credited. The agent credited the late fee which is reflected on the billing statement that printed on July 15, 2015.
A payment of $30.00 was received on July 5, 2015. This payment was also received after the due date listed which resulted in an additional late fee being assessed to the account. Due to a late fee being credited on June 15, 2015 no further late fees will be credited.
Our records show no promotion code was entered at the time the order was placed on our website. As a one time courtesy, we have credited $10.00 to Ms. [redacted]'s account. The credit will appear on a future statement.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 10, 2015/08/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with their stateent. If any of this were true why was I not charged a late fee for my payment on March 13th or April 10th? PNC Bank issured a check to be received by June 2nd. I was told by Gettington they received my July payment on the 4th, now they are saying it was received on the 5th. July 4th is a holiday and the 5th was a Sunday. No mail was deliveed on either day. Gettington receivd my payment on July 2nd according to PNC Bank.I want my account credited for the bogus late fee charge of $20.00
Final Business Response /* (4000, 12, 2015/08/24) */
CONFIDENTIAL COMMUNICATION
August 24, 2015
#XXXXXXXXXX
Revdex.com of Minnesota
Attn: [redacted]
[redacted] S [redacted]
[redacted] XXXXX
Re: Case # [redacted]-[redacted], [redacted]
I am writing in response to further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Ms. [redacted]'s monthly billing statement dated March 7, 2015, indicated a minimum payment of $20.00 due by April 3, 2015. As Ms. [redacted] states, we received a payment of $25.00 on March 13, 2015, which is prior to the April 3, 2015 due date, therefore Ms. [redacted] did not incur a late fee.
Ms. [redacted]'s monthly billing statement dated April 7, 2015, indicated a minimum payment of $20.00 due by May 3, 2015. As Ms. [redacted] states, we received a payment of $25.82 on April 10, 2015, which is prior to the May 3, 2015 due date, therefore Ms. [redacted] did not incur a late fee.
As previously stated, further credits will not be issued. Ms. [redacted]'s monthly billing statement dated August 15, 2015, indicates a balance of $20.80 with a minimum payment of $20.00 due by September 11, 2015.
Thank you for allowing us to explain and assist.
Sincerely,
[redacted]
[redacted]
VF/ca
I
am writing in response to the inquiry received regarding a WebBank/Gettington
Credit Account for Ms. Katherine Pie.Ms.
Pie details quality concerns with the furniture she recently received, in
particular “the material under the sofa and loveseat were torn, and the staples
are loose on the...
sofa.” She states she received no prior communication from the
shipping carrier with respect to delivery arrangements, and that the carrier
left the “furniture sitting outside…for quite a few hours” until she was able
to find someone to move it into her home. She requests our consideration for an
account credit given these issues.Our
investigation confirms an order was placed on August 7, 2016 which included an
Ashley Julson Sofa, an Ashley Julson Loveseat, and an Ashley Rocker/Recliner.
Pilot Freight Services delivered the three items to Ms. Pie on August 16, 2016
per the collective tracking number, 068328966. Please note that the following disclaimer was prominently displayed on the product description web page for each item: “Cannot ship outside the contiguous 48 States or APO/FPO. This item is delivered to the curb. The delivery company will call you to arrange a delivery time and offer other services (like in-home delivery), if available. This item may not be eligible for free shipping promotions.” With respect to Ms. Pie’s assertion of not being contacted by the carrier, their tracking information log notes reflect they “Left Message” on August 15, 2016 at 6:07 p.m. local time, and at 9:10 pm. on the same date shows “Appointment Scheduled”—indicating delivery arrangements had in fact been made. Additionally, we entrust the carrier with secure transport and delivery of all goods, including ensuring no damages occur in that time. Ms. Pie’s description suggests minor impacts to the sofa and loveseat likely due to transport/handling. We have issued a 15% discount to the merchandise price of each furniture item as a one-time courtesy to Ms. Pie. These credits, totaling $202.80, have been applied to her account and will reflect on an upcoming monthly statement for her records. We sincerely apologize for any difficulty or other inconvenience Ms. Pie may have experienced as a result, but trust the measures we have taken will meet her expectations of a satisfactory resolution. Thank you for allowing us to assist and explain. Sincerely, Vi FinchExecutive Care Team VF/ah Vi Finch Executive Care Team VF/ah
I am rejecting this response because:I have already filled out multiple affadavits and told them multiple times I DID use the label they provided. I am ceasing all communication with Fingerhut and Bluestem Brands and will be seeking an attorney. Thank you.
CONFIDENTIAL COMMUNICATION March 1, 2018 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted], [redacted] Dear Mr. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for Ms. [redacted]. Ms. [redacted] states she returned her entire order, two shirts and one coat, for size-related reasons, but was told we did not receive the coat. She was further told she would be sent a form regarding this issue to fill out and send back to us; she states she never received it, and still did not receive it after requesting it several more times. As her desired resolution, Ms. [redacted] states: “To finally exchange the coat.” 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
I am rejecting this response because:
You must have typed the account number in wrong and put the payment credit to the wrong person. I do not have a [redacted] in my business, I do not have a [redacted] on my account. I sent in proof of cashed payment with the name [redacted] on it. There is no way it could have been sent to someone who does not exist on my account, so they would not be on my bill.And I do not appreciate being on a speaker phone with your company and hearing someone at your company saying who cares about my account. Correct your error, credit my account properly, stop damaging my credit, and do the right thing.
Dear Ms. [redacted]:Toll Free [redacted]April 27, 2016I am in receipt of your letter dated April 25, 2016, in regards to the above-referenced matter.I want to first and foremost apologize to [redacted] for any inconvenience that this has caused her.also want to assure her that this account has been...
closed and cancelled from my company by our clientas this account was placed in erro;.We strive to treat everyone with empathy and professionalism and I am sorry that this situationoccurred. B[redacted] about this.Sincerely yours,
[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]
Regards,
[redacted]
I am rejecting this response because:My husband and I have spoken with one someone we are dealing with regarding our issue that we are dealing with. We are just waiting on that person to contact us directly
Full response attached. CONFIDENTIAL COMMUNICATION: Our records indicate Mr. [redacted] had previously advised us that the phone fell and that is how it broke. Based on that information, he does need to attempt to work with the supplier to have the item repaired or replaced. We are unable to assist...
with this issue at this point, and encourage him to contact Jeg & Sons (CCR) again, at the phone number we provide.
Initial Business Response /* (1000, 10, 2015/07/27) */
CONFIDENTIAL COMMUNICATION
July 24, 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 Flex Credit Account.
Our investigation confirms that Mr. [redacted] applied for a Fingerhut Flex account as financing for SG057 Samsung 40" 720p LED TV on June 9th. We processed that order on the 9th , processing the first payment as outlined in the terms and conditions and agreed to by the customer. We received and email from the customer requesting that we cancel the order as he stated that he was not aware that he was actually purchasing the TV, but instead just applying for the account. On June 10th, the order was cancelled prior to any payment transaction. On June 16th we received a second order from Mr. [redacted], this time for an RCA 50" 1080p LED TV via the Fingerhut Flex website. The order was processed on June 18th, according to procedures and the next steps communicated to the customer via the website at the time of order.
Electronic Payment Authorization
As a convenient method to make your down payment to Fingerhut ("Fingerhut"), and your Installment Loan Agreement payments due to WebBank ("WebBank"), under the Fingerhut FLEX Contract ("Contract"), you hereby authorize and direct Fingerhut and WebBank, respectively, to automatically withdraw funds from the bank ("Bank") account that you provided at the time that you entered into the Contract, in the amounts and according to such schedule necessary to remit the "Payment Amounts" described below to satisfy your payment obligations as they become due under the Contract. You authorize Bank to pay the Payment Amounts to Fingerhut and WebBank as specified in the Contract. This payment instruction will remain in effect, and electronic payments will continue, until the earlier of (a) when all amounts due under the Contract have been paid, or (b) if you revoke this authorization for electronic payment, then the date such revocation becomes effective.
You understand that if you revoke you authorization for automatic payments from your account, it may take several days for Fingerhut, WebBank and Bank to implement the change, and that authorized withdrawals from the Bank may occur prior to cancellation of the automatic bank deduction payment service. You also understand that if you revoke your authorization for automatic payments but fail to make payments through another method approved under the Contract, you could default in your Contract payment obligations. To opt out, call us at 1(844)656-4394 or write to Fingerhut FLEX, 6250 Ridgewood Rd, St. Cloud, MN 56303. The "Payment Amount" will be $ per payment date. However, the final scheduled payment amount may be reduced to the amount required to pay your Contract in full. If there is any change in a payment amount, we will notify you at least 10 days prior to the payment date.
All payments amounts that you make shall be applied by Fingerhut and WEBBANK first to earliest amounts due (or past due), unless otherwise required by applicable law.
By clicking "Yes, I agree to these conditions" you are signing this Electronic Payment Authorization with your digital signature. This has the same force and effect as if you signed your name manually on a paper copy of this document. You acknowledge that you have received a completed copy of this Electronic Payment Authorization and agree to all of its terms.
The first payment of $54.17 was processed on the 18th per the payment plan agreed to by the customer. On the 22nd of June, Mr. [redacted] sent an email to the Fingerhut Flex Contact Center stating the "he did not authorize any transactions I told you to cancel this order completely we were just interested in seeing what the payment would be I am pursing this with Revdex.com as well as with credit union fraud." This email was sent as a reply from the cancel request dated June 9th (the 1st order). The Fingerhut Flex Customer Solutions Agent apologized and explained that we never received a cancel request for the second order, placed on June 16th, only for the order placed on June 9th. The Agent agreed to process the cancellation and to refund the initial payment made on the account. The Agent advised the customer that there is a 10-day hold on ACH returns due to clearing times with the banks and that the refund would appear in his account within a couple days after the refund is processed.
After the 10-day hold, the refund was processed on June 29th.
Attached, please find the email communication welcoming the customer the program, the email confirming the payment schedule, the email confirming the account closure per Mr. [redacted]'s request and the email confirming the refund had been processed.
Mr. [redacted]'s money has been refunded and both of his accounts have been closed as per his requests. We apologize for any inconvenience, but appreciate his understanding our position in this matter.
Thank you for allowing us to explain.
Sincerely,
Fingerhut Flex Customer Service
Dear Mr [redacted] I am in receipt of your letter dated August 1, 2017, regarding the above-referenced account. Per the complainant's request, we have requested a copy of their account from our client and will forward it to the complainant upon receipt. Please let me know if I can...
be of further assistance. Sincerely CREDIT ADJUSTMENT BOARD, INC.
CONFIDENTIAL COMMUNICATION May 3, 2016 ...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. While we understand Mr. [redacted]’s frustration regarding the remaining balance on his account, our return policy is listed in our catalogs and on our website and states in part: Computers, tablets, e-readers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators have to be returned within 30 days. Our Customer Service agent provided a postage paid return label for Mr. [redacted] to return the damaged computer when we were notified of the Mr. [redacted]’s concern as a courtesy. The postage paid label was mailed on March 15, 2016. The return of the computer was not received until April 18, 2016. As stated previously, Mr. [redacted]’s billing statement cycled on February 13, 2016 with a minimum payment due by March 9, 2016. Mr. [redacted] is responsible for any payments due on his account prior to the return being received and any charges remaining on his account after the return has been received and credited. By the time we received the return of the damaged computer, three monthly billing statements had already been sent to Mr. [redacted]. The balance remaining on Mr. [redacted]’s account is his responsibility. As Mr. [redacted] remained obligated to make at least the minimum amount due, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies. As we have provided Mr. [redacted] with all the information available to us, we respectfully consider this matter closed. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate an order was placed on February 25, 2016 which included the Hamptons Bathroom Floor Standing Storage Cabinet, Style Station, Suncast Patio Storage Bench, Pregnancy Warning Metallic Wall Art and the Crystal Art Beer/Coincidence Wall Art. The billing and shipping address on this order was [redacted] Washington, DC. 20032. After the order was placed, Ms. [redacted] contacted us to cancel the order due to a change in her billing and shipping address. The cancellation was completed and a new order was placed with her updated billing and shipping address. As part of our order processing, our Credit Risk Department reviews orders to ensure proper validation and verification occurs prior to the order shipping. Since the change of address was completed at the time of the order being placed our Credit Risk Department was unable to validate Ms. [redacted] at the new address which resulted in her order(s) being cancelled. The order for the Hamptons Bathroom Floor Standing Storage Cabinet has been placed per Ms. [redacted]’s request. As a courtesy we will honor the price Ms. [redacted] was originally charged for the Storage Cabinet. We will also honor the promotion code discount of $10.80 and the original shipping and handling charge of $9.99. Please allow up to two billing cycles for the credits to appear on the monthly billing statement. Please note express shipping does not apply for this item due to its weight. We are sorry for the inconvenience. The expected delivery date of the Storage Cabinet is April 4, 2016. We appreciate Ms. [redacted]’s patience and thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw �...⇄ [redacted]
2017 ...⇄ 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. In Ms. [redacted]’s inquiry she states that she purchased a riding lawnmower and the item was defective so she returned the merchandise on September 22, 2016. Ms. [redacted] is receiving telephone calls requesting payments for the returned merchandise. Ms. [redacted] states that Pilot picked up the merchandise after she contacted Fingerhut to have the return pick up scheduled. Upon reviewing Ms. [redacted]’s account we are able to verify the Riding Lawnmower was picked up for a return on September 22, 2016. Unfortunately, there was gasoline and oil in the lawnmower causing the item to not be returned to our warehouse. The request to scrap the merchandise was forwarded to the shipping manager and no further correspondence was received. On January 11, 2017 a credit was issued to Ms. [redacted]’s account for $1,299.99 for the lawnmower and $84.50 in taxes. We sincerely apologize for this oversight. Furthermore, we have issued credits to Ms. [redacted]’s account totaling $164.31 in late fees and interest charges accrued, due to the credit not processing in a timely manner. A request has been submitted for Ms. [redacted]’s credit status to be updated with the Credit Bureau. We ask that Ms. [redacted] allow 30 to 60 days for her report to be updated. If Ms. [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:00 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/RG
(The consumer indicated he/she DID NOT accept the response from the business.)
They accused me of not wanting to pay on my Fingerhut for different months and I reported and had the account noted last year I did not have the payments and closed the account because I can't afford it and they keep changing up the policy to only stop contacting me so this is no help when I did not even decline the payment arrangement because it is not affordable on this closed Fingerhut account to pay 65 dollars a month. I am under the Disability act this Company took advantage of my Customer paying rights because I called them several times about I don't have two incomes to pay on this account since 2015.
Initial Business Response /* (1000, 5, 2016/01/13) */
CONFIDENTIAL COMMUNICATION
January 13, 2015
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] made a payment of $139.98 on December 5, 2015. Ms. [redacted] contacted Fingerhut on December 22, 2015 stating this was in the incorrect amount. As a result, the payment amount of $139.98 was reversed on her account on December 23, 2015.
On November 10, 2015, Ms. [redacted] set up recurring payments for her minimum amount due each month. At the time when the payment schedule was set up, the minimum amount due was $139.98. Ms. [redacted] made an additional $70.00 payment on November10, 2015. Both of these payments posted on the same cycle.
Ms. [redacted] stresses that because of this payment her bank account was overdrawn. We advise Ms. [redacted] to fax us a copy of her bank statement showing to overdraft fees to [redacted], Attn: Kristina or mail the statement of [redacted] St. Cloud, MN 56303. This will allow for further investigation.
We have not received any payments from Ms. [redacted] since November 10, 2015. At this time her account is delinquent with a balance of $2010.13. The minimum amount due by February 5, 2016 is $240.37.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS
Dear Ms. [redacted], Please see my attached letter to your office regarding [redacted]’s concerns. My response exceeds the 2000 character limit so I have attached it to this inquiry. Thank you, Lea [redacted] Haband Customer Service Bluestem Brands, Inc.
I am rejecting this response because:
March...
10th is when I placed the order. I did not receive the item until sometime between March 22nd - 29th. At the time I purchased the item the policy for personalized items was stated as 60 days after the date it was delivered. My first two attempts to return the item were denied. My third attempt during mid June was accepted and then denied upon receiving the item. I only wore the necklace twice and stored it in the original box.
CONFIDENTIAL COMMUNICATION May 16,...
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 purchased a Dell computer from Fingerhut. He states the computer is not working properly and neither Dell nor Fingerhut would help with this issue. Our records indicate Mr. [redacted] purchased a Dell Inspiron 15.6" HD 4GB Windows 8.1 Laptop Computer on August 16, 2015. Mr. [redacted] contacted Fingerhut on January 25, 2016 stating his computer was not working properly. At this time Mr. [redacted] was correctly advised he would need to contact the products manufacturer as we require returns to be made in accordance with Fingerhut’s 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.” Due to the length of time that has passed since Mr. [redacted]’s purchase, any requests to repair or replace the device should be referred and handled by the product’s manufacturer. For all concerns with this item, Mr. [redacted] should contact Dell at ###-###-#### Monday through Friday 8AM-9PM. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team
Initial Business Response /* (1000, 6, 2015/08/06) */
! To harass a person/customer is NOT acceptable and I will NOT bow down and accept this response from them. I have calls logs too and can prove I received several calls before 8am! Now they are closing my account, and punishing me for there harassment and violations. Nice. I feel I have NO choice but to escalate this and confer with an attorney. One thing I have learned. Its not what you know, its what you can prove. I CAN PROVE IT, between the recorded calls and call logs I can prove my case.
CONFIDENTIAL COMMUNICATION
August 5, 2015
Revdex.com of Minnesota Account #: [redacted]
Attn: [redacted]
220 S. River Ridge Circle
Burnsville, MN 55337
Re: Ms. [redacted]
Case #:...
[redacted]
Dear Ms. [redacted],
We are writing in response to an inquiry received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, Terms and Conditions.
Ms. [redacted] states in her complaint that she is receiving collection calls twice an hour up to ten hours per day. Ms. [redacted]' desired resolution is for the calls to cease.
Based on the call logs associated with Ms. [redacted]' account, all outbound collection calls were attempted between the hours of 8am and 9pm Eastern Time. Our records also indicate Fingerhut never attempted to contact Ms. [redacted] more than six times in a day while her account was in a delinquent status.
Please note that when the required minimum payment is not received by the due date, the minimum monthly payment amount due the next month will be higher and will continue to be higher until the correct minimum amount due is received. Additionally, we may charge a late fee and interest charges will accrue on the balance owed. Our Payment Department may phone our customers with payment reminders when a payment is not received by the due date.
Ms. [redacted]' account is in a current status. We thank Ms. [redacted] for her most recent payment of $50.00 on July 24, 2015.
An updated statement will be generated on August 13, 2015 with Ms. [redacted]' new account balance and minimum payment that will be due on September 9, 2015.
If Ms. [redacted] wishes to cease further communication on the account, a written cease and desist request may be faxed to [redacted] or mailed to [redacted], St. Cloud, MN, 56303.
Please note, if a cease and desist status is placed on Ms. [redacted]' account, no further call attempts will be made or written communication sent, unless notified in writing rescinding the cease and desist. A monthly statement will continue to be mailed.
Ms. [redacted]' account would also be closed to future purchases and additional purchases on the account will not be allowed. However, Fingerhut orders may be placed online using Visa, MasterCard, or Discover to pay for the order.
Any outstanding balance will continue to accrue interest and you may be assessed late fees and Ms. [redacted]' account is still subject to the original terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sjj
Enclosures
Initial Consumer Rebuttal /* (3000, 8, 2015/08/07) */
(The consumer indicated he/she DID NOT accept the response from the business.)
They are now closing my account because of there carelessness. I have PROOF I received several calls before 8am. The point of my dispute was the constant harassing calls. to receive more than one call a day or 3 calls a day is harassment. I was receiving multiple calls every hour 10 hrs a day. They are clearly condoning there collection practice of harassing customers. My complaint was about harassment. There constant harassment is a violation. I have PROOF
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]
I am writing in response to the inquiry...
we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Our records indicate Ms. [redacted]'s first billing statement was printed on February 7, 2015. The minimum payment of $20.00 was due by March 3, 2015. A payment of $33.89 was received on February 27, 2015. On March 7, 2015 Ms. [redacted]'s billing statement cycled and a new statement was sent. The minimum payment of $20.00 was due by April 3, 2015. A payment of $25.00 was received on March 13, 2015. On April 7, 2015 when Ms. [redacted]'s statement cycled again, the minimum payment due by May 3, 2015 was $20.00. A payment was received of $25.82 on April 10, 2015 and $1.00 on April 27, 2015. On May 7, 2015 the statement cycled and a minimum payment of $20.00 was due by June 3, 2015. A payment was received on June 4, 2015 of $30.00. This payment was received after the due date listed and a late fee of $20.00 was assessed to her account per the terms and conditions she agreed to at the time the account was opened.
On June 7, 2015 a statement printed and the minimum payment of $20.00 was due by July 3, 2015. On June 15, 2015, Ms. [redacted] contacted us and requested to change the due date on her account. The due date was changed per her request to the 11th of each month and took effect on her July 15, 2015 billing statement due by August 11, 2015. She also requested the late fee of $20.00 to be credited. The agent credited the late fee which is reflected on the billing statement that printed on July 15, 2015.
A payment of $30.00 was received on July 5, 2015. This payment was also received after the due date listed which resulted in an additional late fee being assessed to the account. Due to a late fee being credited on June 15, 2015 no further late fees will be credited.
Our records show no promotion code was entered at the time the order was placed on our website. As a one time courtesy, we have credited $10.00 to Ms. [redacted]'s account. The credit will appear on a future statement.
Thank you for allowing us to explain and assist.
Sincerely,
Vi [redacted]
Executive Care Team
VF/bw
Initial Consumer Rebuttal /* (3000, 10, 2015/08/13) */
(The consumer indicated he/she DID NOT accept the response from the business.)
I do not agree with their stateent. If any of this were true why was I not charged a late fee for my payment on March 13th or April 10th? PNC Bank issured a check to be received by June 2nd. I was told by Gettington they received my July payment on the 4th, now they are saying it was received on the 5th. July 4th is a holiday and the 5th was a Sunday. No mail was deliveed on either day. Gettington receivd my payment on July 2nd according to PNC Bank.I want my account credited for the bogus late fee charge of $20.00
Final Business Response /* (4000, 12, 2015/08/24) */
CONFIDENTIAL COMMUNICATION
August 24, 2015
#XXXXXXXXXX
Revdex.com of Minnesota
Attn: [redacted]
[redacted] S [redacted]
[redacted] XXXXX
Re: Case # [redacted]-[redacted], [redacted]
I am writing in response to further inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account.
Ms. [redacted]'s monthly billing statement dated March 7, 2015, indicated a minimum payment of $20.00 due by April 3, 2015. As Ms. [redacted] states, we received a payment of $25.00 on March 13, 2015, which is prior to the April 3, 2015 due date, therefore Ms. [redacted] did not incur a late fee.
Ms. [redacted]'s monthly billing statement dated April 7, 2015, indicated a minimum payment of $20.00 due by May 3, 2015. As Ms. [redacted] states, we received a payment of $25.82 on April 10, 2015, which is prior to the May 3, 2015 due date, therefore Ms. [redacted] did not incur a late fee.
As previously stated, further credits will not be issued. Ms. [redacted]'s monthly billing statement dated August 15, 2015, indicates a balance of $20.80 with a minimum payment of $20.00 due by September 11, 2015.
Thank you for allowing us to explain and assist.
Sincerely,
[redacted]
[redacted]
VF/ca
I
am writing in response to the inquiry received regarding a WebBank/Gettington
Credit Account for Ms. Katherine Pie.Ms.
Pie details quality concerns with the furniture she recently received, in
particular “the material under the sofa and loveseat were torn, and the staples
are loose on the...
sofa.” She states she received no prior communication from the
shipping carrier with respect to delivery arrangements, and that the carrier
left the “furniture sitting outside…for quite a few hours” until she was able
to find someone to move it into her home. She requests our consideration for an
account credit given these issues.Our
investigation confirms an order was placed on August 7, 2016 which included an
Ashley Julson Sofa, an Ashley Julson Loveseat, and an Ashley Rocker/Recliner.
Pilot Freight Services delivered the three items to Ms. Pie on August 16, 2016
per the collective tracking number, 068328966. Please note that the following disclaimer was prominently displayed on the product description web page for each item: “Cannot ship outside the contiguous 48 States or APO/FPO. This item is delivered to the curb. The delivery company will call you to arrange a delivery time and offer other services (like in-home delivery), if available. This item may not be eligible for free shipping promotions.” With respect to Ms. Pie’s assertion of not being contacted by the carrier, their tracking information log notes reflect they “Left Message” on August 15, 2016 at 6:07 p.m. local time, and at 9:10 pm. on the same date shows “Appointment Scheduled”—indicating delivery arrangements had in fact been made. Additionally, we entrust the carrier with secure transport and delivery of all goods, including ensuring no damages occur in that time. Ms. Pie’s description suggests minor impacts to the sofa and loveseat likely due to transport/handling. We have issued a 15% discount to the merchandise price of each furniture item as a one-time courtesy to Ms. Pie. These credits, totaling $202.80, have been applied to her account and will reflect on an upcoming monthly statement for her records. We sincerely apologize for any difficulty or other inconvenience Ms. Pie may have experienced as a result, but trust the measures we have taken will meet her expectations of a satisfactory resolution. Thank you for allowing us to assist and explain. Sincerely, Vi FinchExecutive Care Team VF/ah Vi Finch Executive Care Team VF/ah
I am rejecting this response because:I have already filled out multiple affadavits and told them multiple times I DID use the label they provided. I am ceasing all communication with Fingerhut and Bluestem Brands and will be seeking an attorney. Thank you.
CONFIDENTIAL COMMUNICATION March 1, 2018 Revdex.com of...
Minnesota �...⇄ Attn: [redacted] 220 S. River Ridge Cir. Burnsville, MN 55337 Re: Case #[redacted] – [redacted], [redacted] Dear Mr. [redacted], I am writing in response to the inquiry we received from your office regarding a WebBank/Fingerhut Advantage Credit Account for Ms. [redacted]. Ms. [redacted] states she returned her entire order, two shirts and one coat, for size-related reasons, but was told we did not receive the coat. She was further told she would be sent a form regarding this issue to fill out and send back to us; she states she never received it, and still did not receive it after requesting it several more times. As her desired resolution, Ms. [redacted] states: “To finally exchange the coat.” 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
I am rejecting this response because:
You must have typed the account number in wrong and put the payment credit to the wrong person. I do not have a [redacted] in my business, I do not have a [redacted] on my account. I sent in proof of cashed payment with the name [redacted] on it. There is no way it could have been sent to someone who does not exist on my account, so they would not be on my bill.And I do not appreciate being on a speaker phone with your company and hearing someone at your company saying who cares about my account. Correct your error, credit my account properly, stop damaging my credit, and do the right thing.
Dear Ms. [redacted]:Toll Free [redacted]April 27, 2016I am in receipt of your letter dated April 25, 2016, in regards to the above-referenced matter.I want to first and foremost apologize to [redacted] for any inconvenience that this has caused her.also want to assure her that this account has been...
closed and cancelled from my company by our clientas this account was placed in erro;.We strive to treat everyone with empathy and professionalism and I am sorry that this situationoccurred. B[redacted] about this.Sincerely yours,
[A default letter is provided here which indicates your acceptance of the business's offer. If you wish, you may update it before sending it.]
Revdex.com:
I have reviewed the offer made by the business in reference to complaint ID [redacted], and find that this resolution would be satisfactory to me. I will wait for the business to perform this action and, if it does, will consider this complaint resolved. If the company does not perform as promised I can get back to you at: [redacted]
Regards,
[redacted]
I am rejecting this response because:My husband and I have spoken with one someone we are dealing with regarding our issue that we are dealing with. We are just waiting on that person to contact us directly
Full response attached. CONFIDENTIAL COMMUNICATION: Our records indicate Mr. [redacted] had previously advised us that the phone fell and that is how it broke. Based on that information, he does need to attempt to work with the supplier to have the item repaired or replaced. We are unable to assist...
with this issue at this point, and encourage him to contact Jeg & Sons (CCR) again, at the phone number we provide.
Initial Business Response /* (1000, 10, 2015/07/27) */
CONFIDENTIAL COMMUNICATION
July 24, 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 Flex Credit Account.
Our investigation confirms that Mr. [redacted] applied for a Fingerhut Flex account as financing for SG057 Samsung 40" 720p LED TV on June 9th. We processed that order on the 9th , processing the first payment as outlined in the terms and conditions and agreed to by the customer. We received and email from the customer requesting that we cancel the order as he stated that he was not aware that he was actually purchasing the TV, but instead just applying for the account. On June 10th, the order was cancelled prior to any payment transaction. On June 16th we received a second order from Mr. [redacted], this time for an RCA 50" 1080p LED TV via the Fingerhut Flex website. The order was processed on June 18th, according to procedures and the next steps communicated to the customer via the website at the time of order.
Electronic Payment Authorization
As a convenient method to make your down payment to Fingerhut ("Fingerhut"), and your Installment Loan Agreement payments due to WebBank ("WebBank"), under the Fingerhut FLEX Contract ("Contract"), you hereby authorize and direct Fingerhut and WebBank, respectively, to automatically withdraw funds from the bank ("Bank") account that you provided at the time that you entered into the Contract, in the amounts and according to such schedule necessary to remit the "Payment Amounts" described below to satisfy your payment obligations as they become due under the Contract. You authorize Bank to pay the Payment Amounts to Fingerhut and WebBank as specified in the Contract. This payment instruction will remain in effect, and electronic payments will continue, until the earlier of (a) when all amounts due under the Contract have been paid, or (b) if you revoke this authorization for electronic payment, then the date such revocation becomes effective.
You understand that if you revoke you authorization for automatic payments from your account, it may take several days for Fingerhut, WebBank and Bank to implement the change, and that authorized withdrawals from the Bank may occur prior to cancellation of the automatic bank deduction payment service. You also understand that if you revoke your authorization for automatic payments but fail to make payments through another method approved under the Contract, you could default in your Contract payment obligations. To opt out, call us at 1(844)656-4394 or write to Fingerhut FLEX, 6250 Ridgewood Rd, St. Cloud, MN 56303. The "Payment Amount" will be $ per payment date. However, the final scheduled payment amount may be reduced to the amount required to pay your Contract in full. If there is any change in a payment amount, we will notify you at least 10 days prior to the payment date.
All payments amounts that you make shall be applied by Fingerhut and WEBBANK first to earliest amounts due (or past due), unless otherwise required by applicable law.
By clicking "Yes, I agree to these conditions" you are signing this Electronic Payment Authorization with your digital signature. This has the same force and effect as if you signed your name manually on a paper copy of this document. You acknowledge that you have received a completed copy of this Electronic Payment Authorization and agree to all of its terms.
The first payment of $54.17 was processed on the 18th per the payment plan agreed to by the customer. On the 22nd of June, Mr. [redacted] sent an email to the Fingerhut Flex Contact Center stating the "he did not authorize any transactions I told you to cancel this order completely we were just interested in seeing what the payment would be I am pursing this with Revdex.com as well as with credit union fraud." This email was sent as a reply from the cancel request dated June 9th (the 1st order). The Fingerhut Flex Customer Solutions Agent apologized and explained that we never received a cancel request for the second order, placed on June 16th, only for the order placed on June 9th. The Agent agreed to process the cancellation and to refund the initial payment made on the account. The Agent advised the customer that there is a 10-day hold on ACH returns due to clearing times with the banks and that the refund would appear in his account within a couple days after the refund is processed.
After the 10-day hold, the refund was processed on June 29th.
Attached, please find the email communication welcoming the customer the program, the email confirming the payment schedule, the email confirming the account closure per Mr. [redacted]'s request and the email confirming the refund had been processed.
Mr. [redacted]'s money has been refunded and both of his accounts have been closed as per his requests. We apologize for any inconvenience, but appreciate his understanding our position in this matter.
Thank you for allowing us to explain.
Sincerely,
Fingerhut Flex Customer Service
Dear Mr [redacted] I am in receipt of your letter dated August 1, 2017, regarding the above-referenced account. Per the complainant's request, we have requested a copy of their account from our client and will forward it to the complainant upon receipt. Please let me know if I can...
be of further assistance. Sincerely CREDIT ADJUSTMENT BOARD, INC.
CONFIDENTIAL COMMUNICATION May 3, 2016 ...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. While we understand Mr. [redacted]’s frustration regarding the remaining balance on his account, our return policy is listed in our catalogs and on our website and states in part: Computers, tablets, e-readers, camcorders, digital cameras, electronic game systems, air conditioners, holiday decorations, heaters and generators have to be returned within 30 days. Our Customer Service agent provided a postage paid return label for Mr. [redacted] to return the damaged computer when we were notified of the Mr. [redacted]’s concern as a courtesy. The postage paid label was mailed on March 15, 2016. The return of the computer was not received until April 18, 2016. As stated previously, Mr. [redacted]’s billing statement cycled on February 13, 2016 with a minimum payment due by March 9, 2016. Mr. [redacted] is responsible for any payments due on his account prior to the return being received and any charges remaining on his account after the return has been received and credited. By the time we received the return of the damaged computer, three monthly billing statements had already been sent to Mr. [redacted]. The balance remaining on Mr. [redacted]’s account is his responsibility. As Mr. [redacted] remained obligated to make at least the minimum amount due, and because no payments were received, we cannot remove the past due payment history that has been reported to the credit agencies. It is a violation of the Fair Credit Reporting Act to knowingly report inaccurate information to these agencies. As we have provided Mr. [redacted] with all the information available to us, we respectfully consider this matter closed. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION March 24, 2016...
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate an order was placed on February 25, 2016 which included the Hamptons Bathroom Floor Standing Storage Cabinet, Style Station, Suncast Patio Storage Bench, Pregnancy Warning Metallic Wall Art and the Crystal Art Beer/Coincidence Wall Art. The billing and shipping address on this order was [redacted] Washington, DC. 20032. After the order was placed, Ms. [redacted] contacted us to cancel the order due to a change in her billing and shipping address. The cancellation was completed and a new order was placed with her updated billing and shipping address. As part of our order processing, our Credit Risk Department reviews orders to ensure proper validation and verification occurs prior to the order shipping. Since the change of address was completed at the time of the order being placed our Credit Risk Department was unable to validate Ms. [redacted] at the new address which resulted in her order(s) being cancelled. The order for the Hamptons Bathroom Floor Standing Storage Cabinet has been placed per Ms. [redacted]’s request. As a courtesy we will honor the price Ms. [redacted] was originally charged for the Storage Cabinet. We will also honor the promotion code discount of $10.80 and the original shipping and handling charge of $9.99. Please allow up to two billing cycles for the credits to appear on the monthly billing statement. Please note express shipping does not apply for this item due to its weight. We are sorry for the inconvenience. The expected delivery date of the Storage Cabinet is April 4, 2016. We appreciate Ms. [redacted]’s patience and thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw �...⇄ [redacted]
CONFIDENTIAL COMMUNICATION January 12,...
2017 ...⇄ 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. In Ms. [redacted]’s inquiry she states that she purchased a riding lawnmower and the item was defective so she returned the merchandise on September 22, 2016. Ms. [redacted] is receiving telephone calls requesting payments for the returned merchandise. Ms. [redacted] states that Pilot picked up the merchandise after she contacted Fingerhut to have the return pick up scheduled. Upon reviewing Ms. [redacted]’s account we are able to verify the Riding Lawnmower was picked up for a return on September 22, 2016. Unfortunately, there was gasoline and oil in the lawnmower causing the item to not be returned to our warehouse. The request to scrap the merchandise was forwarded to the shipping manager and no further correspondence was received. On January 11, 2017 a credit was issued to Ms. [redacted]’s account for $1,299.99 for the lawnmower and $84.50 in taxes. We sincerely apologize for this oversight. Furthermore, we have issued credits to Ms. [redacted]’s account totaling $164.31 in late fees and interest charges accrued, due to the credit not processing in a timely manner. A request has been submitted for Ms. [redacted]’s credit status to be updated with the Credit Bureau. We ask that Ms. [redacted] allow 30 to 60 days for her report to be updated. If Ms. [redacted] has any further questions or concerns, she may contact our Customer Service Department at ###-###-####, between the hours of 8:00 am and 8:00 pm, Central Time, Monday-Friday. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/RG
(The consumer indicated he/she DID NOT accept the response from the business.)
They accused me of not wanting to pay on my Fingerhut for different months and I reported and had the account noted last year I did not have the payments and closed the account because I can't afford it and they keep changing up the policy to only stop contacting me so this is no help when I did not even decline the payment arrangement because it is not affordable on this closed Fingerhut account to pay 65 dollars a month. I am under the Disability act this Company took advantage of my Customer paying rights because I called them several times about I don't have two incomes to pay on this account since 2015.
Initial Business Response /* (1000, 5, 2016/01/13) */
CONFIDENTIAL COMMUNICATION
January 13, 2015
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] made a payment of $139.98 on December 5, 2015. Ms. [redacted] contacted Fingerhut on December 22, 2015 stating this was in the incorrect amount. As a result, the payment amount of $139.98 was reversed on her account on December 23, 2015.
On November 10, 2015, Ms. [redacted] set up recurring payments for her minimum amount due each month. At the time when the payment schedule was set up, the minimum amount due was $139.98. Ms. [redacted] made an additional $70.00 payment on November10, 2015. Both of these payments posted on the same cycle.
Ms. [redacted] stresses that because of this payment her bank account was overdrawn. We advise Ms. [redacted] to fax us a copy of her bank statement showing to overdraft fees to [redacted], Attn: Kristina or mail the statement of [redacted] St. Cloud, MN 56303. This will allow for further investigation.
We have not received any payments from Ms. [redacted] since November 10, 2015. At this time her account is delinquent with a balance of $2010.13. The minimum amount due by February 5, 2016 is $240.37.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/KS