I am rejecting this response because: this was my first order with this company and new credit. It stated Free shipping on your first order with an approved Gettington Credit Account.
I am rejecting this response because:I should at least have a working computer for longer than there return period and they advertise the computer very favorably and the truth is the computer is not a quality product. shouldn't fingerhut stand behind the products it sells
I am rejecting this response because:
While I appreciate that I got a response I must state that it is unacceptable because it has taken almost two weeks and only one of the two issues was addressed. While waiting on a response I went out and bought a new mattress and box springs. It is true that Pilot showed up at my home to deliver the mattress I had ordered, this I was not expecting as I had not been contacted by anyone except for Pilot (on the day of delivery) since this whole mess started.Today, 2 June 2016, I contacted Fingerhut customer service to cancel the replacement mattress. If it shows up anyway I'll just return it and that will hopefully be the end of that. I also inquired about the air conditioner and the "investigation" that was to take place after sending in an affidavit. I was told that there was no information available beyond it having been delivered (to the incorrect address) and that my affidavit had not been received. I have sent another affidavit as of today, and I have been told that a note would be placed on my account that it is "a concern of mine" on whether or not they get it. I will be following up on it tomorrow to ensure that it arrived.I am quite displeased with Fingerhut by now. At this point I just want the a/c unit or a refund. I don't think that is too much to ask.
today my account still show a credit balance of 3,100.00 at the Fingerhut site. I even received a letter a few days ago stating I had credit. I will never do business with them again. I am trying to clean up my credit report. I am 65 years old and I don't have time to play games . I played enough when I was young. Some people never stop. Thank you, Mary [redacted]
...⇄ # [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. Ms. [redacted] indicates she placed an order for a mattress, computer stand, platform bed with under dresser and a headboard. When Ms. [redacted] was contacted by the delivery company, they advised her the packaging on the mattress was ripped and the mattress was dirty. Ms. [redacted] refused delivery of the mattress and contacted Fingerhut the same day and the agent placed another order for the mattress per Ms. [redacted] request. When Ms. [redacted] opened the computer stand she realized there were parts missing and requested a postage paid label to return the computer stand. Ms. [redacted] also advised us she had not received the bed or the headboard. Ms. [redacted] advised the agent she no longer wanted the mattress, since she had not received the bed or the headboard and that she would return the computer stand when she received the postage paid label. Ms. [redacted] states she was advised she would receive full credit for the computer stand once we received the return. On January 20, 2017 Ms. [redacted] refused delivery of the second mattress. Ms. [redacted] states that she has spoken with Fingerhut at least three times after sending the items back and she has still not received full credit for all the items. Ms. [redacted] is requesting to receive full credit for all items on her account and to have no balance remaining. Our records indicate Ms. [redacted] placed her order on the website on December 28, 2016 and that all her items were shipped on December 29, 2016 in four separate shipments. On January 17, 2017 we received the return of the headboard. When the package was received there was no indication on the package from UPS that the item was undeliverable on three attempts and as such, no credit was issued for the original shipping and handling charges. Ms. [redacted] account was credited for $142.99. On January 20, 2017 we received the return of the platform bed. Since the tracking information indicates UPS attempted to deliver the item three times, the package was returned to Fingerhut and full credit was issued in the amount of $345.99. On January 31, 2017 credit was issued for the return of the original mattress which totaled $549.99. On February 9, 2017 we received the return of the second mattress and credit was issued for the cash price only of $379.99. On February 15, 2017 credit was issued for the return of the computer stand in the amount of $127.98. In our review of the tracking information on the second mattress and the headboard, we have credited the original shipping and handling since the items were never delivered to Ms. [redacted]. We have also credited the late fees and interest charges. The credits will be reflected on a future billing statement. We apologize for any inconvenience this has caused. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Initial Business Response /* (1000, 5, 2015/09/11) */
CONFIDENTIAL COMMUNICATION
September 11, 2015
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] is correct, her monthly payment due date is the 3rd of each month. Ms. [redacted]'s account indicates we received payments from her on June 4, 2015, July 8, 2015, August 4, 2015 and September 3, 2015.
Our records indicate Ms. [redacted]'s statements were delivered to her via email at [redacted]@AOL.COM. The payment due date is indicated on each monthly statement.
Please understand that a late fee is assessed when a payment is received past the scheduled due date or when it does not meet the required amount due. Late fees for Fingerhut customers will be equal to the minimum amount due, but not more than $26 for the first time offense. If the customer is charged a second late fee within 6 months, it will not be more than $37. Ms. [redacted]'s account accrued several late fees for this reason, and interest charges accrued at the end of each billing cycle every month a balance was carried.
As a one- time courtesy we have issued a credit for two Late Fees to Ms. [redacted]'s account. She will see this credit on her October 7, 2015 billing statement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (2000, 7, 2015/09/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Since the issue was partly my fault....I accept their response. However, I do feel a charge of $37 is way to much for a 1 day late fee. That's what banks charge and they are not a bank. Thank you
for helping me solve this issue.
I am rejecting this response because: It makes no sense. If I were to contact the company to open an account, it would happen immediately and I'd have a credit line to spend. But because I want my account closed, they're jerking me around. I will NEVER buy another thing from Fingerhut. Their quality is terrible, prices are outrageous, and they don't stand behind their merchandise. Saying they "can't close an online account" is absolute baloney! No further action is required. It's a waste of time but you can bet everyone I know will be warned about Fingerhut and their bogus business practices.
...⇄ # [redacted] Revdex.com of Minnesota Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted]– [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate an order was placed on April 4, 2016 for the New Balance Men’s 411V2 Walking Shoe Wide Size 11. We sincerely apologize Mr. [redacted] has experienced this inconvenience regarding the problem with the shoes. We are able to offer a replacement order for the shoes prior to receiving the return of the defective shoes, however, we cannot send the order without charging Mr. [redacted]’s account. Mr. [redacted] received a postage paid return label with the order for the shoes. If we place a new order on his account, upon receipt of the new order Mr. [redacted] may return the defective shoes immediately. Please understand returns may take up to 10 days to be received and processed. Mr. [redacted]’s monthly statement will cycle on May 17, 2016. If the new order is placed prior to the cycle date, Mr. [redacted]’s minimum payment would only change for one to two billing cycles depending on when the return is received. If Mr. [redacted] would like to place the order he may contact our order line at ###-###-####, 7 days a week, 24 hours a day. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION December 21, 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 recent inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account. Ms. [redacted] states the PlayStation 4 she ordered had a scheduled delivery date of December 6, 2016, but it was not delivered and she never received it. When she notified customer service, the representative advised to complete and return the affidavit they were sending, though Ms. [redacted] did not receive the affidavit. Ms. [redacted] does not want to be billed for an item she never received and requests this be resolved. Our records indicate Ms. [redacted] ordered a Sony PS4 with Unchartered4 game on November 30, 2016. United Parcel Service tracking # [redacted] reflects they delivered it to ‘Front Door’ on December 6, 2016 at 4:34 p.m. local time. On the same date, Ms. [redacted] called notifying she did not receive it, and the representative advised to allow more time as sometimes packages are found nearby or left in a concealed location on the premises to prevent theft. On December 9, 2016, Ms. [redacted] called stating the package had not been found/received, and the representative sent a ‘merchandise not received’ affidavit to her address on file of [redacted] Philadelphia, PA 19151. A second affidavit was sent regular mail on December 12, 2016 per Ms. [redacted]’s request. On December 13, 2016, we received the completed affidavit via an email attachment, and on the same date sent an email reply advising the claim was denied pending a police report given the significant monetary value. Ms. [redacted] called on the same date and the representative provided a fax number to fax the police report as well. To date, we have no record of receiving the police report, and once received, we will proceed with finalizing the investigation, including any adjustments to Ms. [redacted]’s account at that time. She may fax the report to ###-###-####, Attn: MNR Claims or email it to [email protected]. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/a
Initial Business Response /* (1000, 5, 2015/07/30) */
CONFIDENTIAL COMMUNICATION
July 30, 2015
# [redacted]
Revdex.com of Minnesota
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.
As stated in the inquiry and supported by our records, Mr. [redacted] ordered a Bounty Hunter Sharp Shooter II Detector Kit on July 6, 2015. The Order Line phone agent assisting him with placing the order applied promotion code 'E5474'. This was for a ten percent discount in the amount of $18.40, and it was immediately deducted from the order total upon being placed.
Please understand that our order servicing system is designed to accept one promotion code per order, in accord with our policy on promotion codes. If Mr. [redacted] had a second code for free shipping, it would not have qualified to be applied.
Mr. [redacted] sent an email on July 21, 2015 inquiring why he did not receive free shipping on the order, since he had received an advertised offer from us for it. On July 24, 2015 an agent replied by email stating, in part, "At different times we will offer this promotion and in order to take advantage of it, the free shipping promo code would need to be entered on the order. In addition, please note that only one promotional code can be applied to an order...however, as a one time exception, I am going to credit back the shipping on this order."
As a reassurance to Mr. [redacted], he received an account credit for the $19.99 shipping costs on July 24, 2015; it will reflect on a future monthly statement for his records.
Thank you for allowing us the opportunity to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Fingerhut seems to have a problem with Mathematics? My Balance before I ordered was $333.45. The product at the time of order was,$183.99-10%=$165.59. They said they would waive the Shipping and Handling of $19.99.They have my Balance listed at, $508.05 because of this. It should be,$499.04. Since this is leaving such a Bad Taste in my Mouth, I have until the 18th of August to return it. Thank-You, [redacted]
Final Business Response /* (4000, 9, 2015/08/10) */
CONFIDENTIAL COMMUNICATION
August 10, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted]
We agree that Mr. [redacted]'s balance would be $499.04 after applying the ten percent discount and the free shipping/handling; however, the interest charge on his most recent billing cycle was $9.01. $508.05 is the correct end balance as it is the sum of $499.04 plus the monthly interest charge.
$9.01 is the correct interest charge for Mr. [redacted]'s most recent billing cycle. As a reminder, interest will accrue monthly for as long as the account carries a balance, per the terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
CONFIDENTIAL COMMUNICATION March 14, 2017 Better Business...
Bureau 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. In Mr. [redacted]’s inquiry, he states that Fingerhut is refusing to close his account. Mr. [redacted] also states that he completed a claim with SafeLine Insurance Program due to his hours being cut down to only 4 days a month but was denied after filing appropriate papers to SafeLine. Mr. [redacted]’s desired resolution is to close his account, remove the credit line increase on his account and return the merchandise that was purchased. Upon review of Mr. [redacted]’s account we find that on February 27, 2017 we received written documentation requesting that his account closed which was processed on the same day. His account was marked ‘Closed – Customer Request’. As Mr. [redacted]’s account is closed, no new purchases will be allowed, but he is responsible to pay the balance on the account of $1,093.49. The next scheduled payment of $219.96 is due on April 7, 2017. We encourage payments be made on time so additional late fees will not accrue. Mr. [redacted] will not be able to return the merchandise he purchased for credit as the 90 day time frame has passed, according to our return policy. Our return policy can be found on our website located at the bottom, located under “Customer Service” and in our catalogs in the Blue Pages. SafeLine Plus is a program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are met. The monthly fee for the SafeLine Plus plan is $1.19 per $100 of the total balance of the WebBank/Fingerhut Credit Account at the end of each monthly billing cycle. This fee appears on each statement when there is a balance on the account being covered by the plan; it is located in the fees section of the statement. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time. In Mr. [redacted]’s inquiry he stated that he wanted the credit line increased removed, at this time we have no record of Mr. [redacted] requesting his credit limit be decreased. According to the “Terms and Conditions of a revolving account, we have the right to review for credit line increases. As stated above Mr. [redacted]’s account is now closed, he will not be receiving any further credit line increases. Our records indicate Mr. [redacted] opened his account on our website on September 29, 2016. Mr. [redacted] enrolled in SafeLine Account Protection Plan while placing a website order on November 5, 2016. Mr. [redacted] would have received the terms and conditions for his SafeLine Account Protection Plan, sent out the following day. After reviewing Mr. [redacted]’s account we show he notified us of his reduction in work hours on January 9, 2017, advising the change occurred on December 6, 2016. As the reduction was less than 20%, the claim was denied per the terms of SafeLine Plus, and he was informed on February 13, 2017. Please note that SafeLine services reviewed the documentation submitted by Mr. [redacted] and determined that it did not show a reduction in hours that meets the requirements for an approved benefit. The customer submitted a paycheck stub that does show payment, but it did not include the hours worked, nor does it show a reduction in the hours worked. Mr. [redacted]’s application indicates the hours he was working varied in nature to begin with, meaning he did not indicate he worked regularly scheduled hours. The paystubs also did not support one of the main requirements, which is that he was working in the job for 3 months preceding and that the reduction was over 30 days. Since the hours vary by nature, no hour reduction would not exist. If Mr. [redacted] has any questions about the benefit request, he may call SafeLine Services at ###-###-#### Monday – Friday, 8:00 am – 5:00 pm, Central Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
I am rejecting this response because:The response...
does not state that they will correct the information on my credit report. I would like the correct information reported to the credit bureau and the late payments being reported to be removed from all credit reports/credit reporting agencies.
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 Fingerhut/FreshStart Account. Ms. [redacted] claims she purchased a defective Keurig from Fingerhut. She has requested prepaid postage labels to return the product however has not received them. She is wanting to return to product and be credited for what she has paid on her account. Our records indicate Ms. [redacted] purchased a Keurig K55 Single-Serve Brewer on April 23, 2016. On May 6, 2016 Ms. [redacted] contacted Fingerhut stating the Keurig was defective. Fingerhut does require returns and exchanges to be made in accordance to 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.” A return label would have been included in the original package, however on that same date a prepaid postage label was mailed to Ms. [redacted]’s address, [redacted] Harlingen, TX 78550. Ms. [redacted] contacted Fingerhut on May 20, 2016 stating she never received the prepaid postage label. On that same date, an additional postage label was mailed. On June 14, 2016 a third prepaid postage label was mailed to Ms. [redacted]. She should allow 7 to 10 business days to receive the postage label. Considering Ms. [redacted] contacted Fingerhut within 30 days of the purchase date we will issue her credit or exchange upon review of the item once received. As Ms. [redacted] is returning the Keurig to Fingerhut she is still required to make the minimum payments due on her account. At this time the current balance on her account is $131.38. A minimum payment of $23.52 is due by June 20, 2016. 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]– [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] placed an order on our website on August 19, 2014 for the Beats by Dr. Dre Studio Wireless Headphones in Red totaling $483.98. Interest charges are billed monthly when Ms. [redacted]’s statement is printed per the terms and conditions of the account. Additionally, Ms. [redacted] enrolled in SafeLine Plus Account Protection at the time she applied for the account on our website on August 19, 2014. To enroll in SafeLine on our website is a two-step process which required Ms. [redacted] to select that she wanted to enroll her Fingerhut credit account in SafeLine Plus and once enrolled, Ms. [redacted] was required to agree to the terms and conditions of SafeLine Plus. SafeLine Plus is an optional program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are met. Ms. [redacted] would have also received the terms and conditions for SafeLine Plus within a few days of enrolling in the program. SafeLine Plus fees have appeared under the fees section of each monthly statement from September 13, 2014 through March 13, 2016. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time. Additionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within 60 days after the error appeared on your statement. You must notify us in of any potential errors in writing”. On April 15, 2016 Ms. [redacted]’s account was credited in the amount of $4.28 for the SafeLine Plus fees she was billed in the last 60 days. No further credits will be issued for SafeLine Plus. Our records also indicate Ms. [redacted] was charged late fees on November 9, 2014 and January 9, 2015 in the amount of $26.00 each due to her minimum payment being received after the due date on the account per the terms and conditions she agreed to at the time she opened the account. Ms. [redacted] also received late fees on February 9, 2016 and April 9, 2016 in the amount of $14.99 each. It is important to make the minimum payment on time by the due date each month to avoid late fees. As Ms. [redacted] remained obligated to make at least the minimum payment due, 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. Ms. [redacted] is responsible for the remaining balance on her account of $184.32. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
March 18, 2016
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 he was informed on February 24, 2016 that once his account was paid in full, it would be removed from his credit report. He further states that he made a $150.00 payment to catch up on the account and was unaware at that time the account was charged off. Mr. [redacted] indicates he has settled his account with the account owner, [redacted]. Mr. [redacted]'s desired resolution is to have the trade line removed from his credit bureau reporting.
Our records indicate that on September 30, 2013, an application was processed online using Mr. [redacted]' personally identifiable information. He was approved for a Fingerhut FreshStart Installment Loan account ending in 5218 with a credit limit of $130.00. Mr. [redacted] successfully completed the FreshStart Installment Loan account and graduated to Fingerhut revolving credit account ending in [redacted] on March 20, 2014.
The unpaid balance of $556.54 charged off on August 7, 2015 and the account was sold to [redacted] on September 1, 2015.
According to our records, Mr. [redacted] contacted Fingerhut on August 13, 2015, after the account had charged off and scheduled a partial payment for $150.00. Mr. [redacted] spoke to a second representative approximately 30 minutes after he scheduled this payment and was advised the account was charged off and may be sold at any time. Per Mr. [redacted] request, the scheduled payment for $150.00 was cancelled that same day.
Fingerhut received an email from Mr. [redacted] on October 27, 2015 checking to see if he could get his account re-instated after he recovered from his financial issues. Mr. [redacted] was advised his account was sold to [redacted] and he was directed to contact the account owner.
Mr. [redacted] has disputed the account with the credit bureaus on November 12, 2015 and January 8, 2016. He was advised each time his account was reporting accurately as sold to another lender and he was directed to contact the account owner.
A review of the chat transcript on February 24, 2016 indicates that Mr. [redacted] was advised his account was sold to another lender. He stated he was told he would have to contact Fingerhut to have his trade line removed. He was advised that even though his account was sold to another lender Fingerhut will still reflect on his credit report. He again asked who to speak with at Fingerhut about getting his account removed once his payment cleared. He was advised to contact [redacted] for further assistance. However, the representative incorrectly stated "your account will be automatically removed from your credit report once your payment is cleared from the agency handling your account." We apologize for any inconvenience this may have caused.
Please note Fingerhut does not offer deletion of credit bureau reporting for payment. We are required by law to furnish accurate reporting.If Mr. [redacted] was promised by [redacted] that they would accept payment for deletion of their trade line and they are still reporting his account to the credit bureaus, he would need to contact [redacted] directly at [redacted].
An account review completed March 17, 2016, indicates the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted] 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.
Thank you for the opportunity to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sa
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.
I am rejecting this response because: I have never had a contract with [redacted] and would like to see the original contract with this debt company. Is this not a violation of privacy information released to this company. I did not have a contract with [redacted] .
I am rejecting this response because:The item was returned and they are the administrators of their own systems. They can undo this intentional hit on my credit. I was not renting broken merchandise, yet they want me to pay some sort of a rental fee or fee for broken stuff. This is ridiculous. I know I will not do business with the con artists anymore. The ONLY reason I accepted an account with them was to rebuild my credit, and now they are ruining it for me because they wanted some money out of their overpriced broken piece of junk PC.This is terrible business and unprofessional.This PC was literally $200 more than EVERY other store not owned by Bluestem Group. I even asked them to drop the price a little for me. I didn't care to have the PC, then it came bent, dented, and scratched up. They are con artists who prey on people like me. I had to file bankruptcy due to divorce and an ex-wife who refused to assist me in paying bills, then she got child support even though we had 50/50 custody. In America, it doesn't matter what your reason is. I had to file bankruptcy and now I have to depend on installment loans, payday loans, fingerhut type companies, and high interest credit cards JUST to rebuild my credit. It gives the consumer absolutely NO power because businesses can behave like fingerhut. I made a poor choice in selecting them as a business I would work with, but forget that. I will only tarnish their name with the truth. They are a bunch of con-artists who take advantage of people.
CONFIDENTIAL COMMUNICATION
March 24, 2016
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 a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.
Mr. [redacted] states in his complaint that there is a WebBank/Fingerhut credit account on his credit report that he believes is fraud. Mr. [redacted] is requesting more information about the account, specifically when the order was placed and what was ordered.
The WebBank/Fingerhut credit account ending in [redacted] was opened on September 28, 2014 when an application for credit was processed online. The name, phone number and email address on the application is the same one provided when contacting us regarding this issue.
One order was placed on September 28, 2014 for an XBOX One Console. The merchandise was shipped by Spee Dee to the address on the application.
A payment for $81.98 was processed on November 22, 2014 with a MasterCard debit card ending in [redacted]. The name on the card was [redacted]. The unpaid balance of $703.22 charged off on July 5, 2015 and the account was sold to [redacted] on August 4, 2015. [redacted] can be reached at ###-###-####.
According to our records, Mr. [redacted] spoke with Fingerhut on April 16, 2015. The account was verified and Mr. [redacted] stated he would pay off the account in May 2015.
The last record of speaking with Mr. [redacted] was July 3, 2015 in which he verified the account and stated he was unable to pay because he was waiting for a tax refund. After reviewing the call recording, Mr. [redacted] gave no indication he suspected this account was opened fraudulently.
An account review on March 18, 2016 confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
If Mr. [redacted] believes this account was opened fraudulently, he can complete and return the attached unordered merchandise affidavit. We also ask that he file a police report and send both copies to the following address:
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
Mr. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
If Mr. [redacted] has further questions or concerns, he can contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 6:00pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Enclosures
I am rejecting this response because: this was my first order with this company and new credit. It stated Free shipping on your first order with an approved Gettington Credit Account.
I am rejecting this response because:I should at least have a working computer for longer than there return period and they advertise the computer very favorably and the truth is the computer is not a quality product. shouldn't fingerhut stand behind the products it sells
I am rejecting this response because:
While I appreciate that I got a response I must state that it is unacceptable because it has taken almost two weeks and only one of the two issues was addressed. While waiting on a response I went out and bought a new mattress and box springs. It is true that Pilot showed up at my home to deliver the mattress I had ordered, this I was not expecting as I had not been contacted by anyone except for Pilot (on the day of delivery) since this whole mess started.Today, 2 June 2016, I contacted Fingerhut customer service to cancel the replacement mattress. If it shows up anyway I'll just return it and that will hopefully be the end of that. I also inquired about the air conditioner and the "investigation" that was to take place after sending in an affidavit. I was told that there was no information available beyond it having been delivered (to the incorrect address) and that my affidavit had not been received. I have sent another affidavit as of today, and I have been told that a note would be placed on my account that it is "a concern of mine" on whether or not they get it. I will be following up on it tomorrow to ensure that it arrived.I am quite displeased with Fingerhut by now. At this point I just want the a/c unit or a refund. I don't think that is too much to ask.
I am rejecting this response because:
As of...
today my account still show a credit balance of 3,100.00 at the Fingerhut site. I even received a letter a few days ago stating I had credit. I will never do business with them again. I am trying to clean up my credit report. I am 65 years old and I don't have time to play games . I played enough when I was young. Some people never stop. Thank you, Mary [redacted]
CONFIDENTIAL COMMUNICATION March 2, 2017...
...⇄ # [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. Ms. [redacted] indicates she placed an order for a mattress, computer stand, platform bed with under dresser and a headboard. When Ms. [redacted] was contacted by the delivery company, they advised her the packaging on the mattress was ripped and the mattress was dirty. Ms. [redacted] refused delivery of the mattress and contacted Fingerhut the same day and the agent placed another order for the mattress per Ms. [redacted] request. When Ms. [redacted] opened the computer stand she realized there were parts missing and requested a postage paid label to return the computer stand. Ms. [redacted] also advised us she had not received the bed or the headboard. Ms. [redacted] advised the agent she no longer wanted the mattress, since she had not received the bed or the headboard and that she would return the computer stand when she received the postage paid label. Ms. [redacted] states she was advised she would receive full credit for the computer stand once we received the return. On January 20, 2017 Ms. [redacted] refused delivery of the second mattress. Ms. [redacted] states that she has spoken with Fingerhut at least three times after sending the items back and she has still not received full credit for all the items. Ms. [redacted] is requesting to receive full credit for all items on her account and to have no balance remaining. Our records indicate Ms. [redacted] placed her order on the website on December 28, 2016 and that all her items were shipped on December 29, 2016 in four separate shipments. On January 17, 2017 we received the return of the headboard. When the package was received there was no indication on the package from UPS that the item was undeliverable on three attempts and as such, no credit was issued for the original shipping and handling charges. Ms. [redacted] account was credited for $142.99. On January 20, 2017 we received the return of the platform bed. Since the tracking information indicates UPS attempted to deliver the item three times, the package was returned to Fingerhut and full credit was issued in the amount of $345.99. On January 31, 2017 credit was issued for the return of the original mattress which totaled $549.99. On February 9, 2017 we received the return of the second mattress and credit was issued for the cash price only of $379.99. On February 15, 2017 credit was issued for the return of the computer stand in the amount of $127.98. In our review of the tracking information on the second mattress and the headboard, we have credited the original shipping and handling since the items were never delivered to Ms. [redacted]. We have also credited the late fees and interest charges. The credits will be reflected on a future billing statement. We apologize for any inconvenience this has caused. If Ms. [redacted] has further questions she may contact Customer Service at ###-###-####, Monday – Friday, 8:00 AM – 8:00 PM CT. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
Initial Business Response /* (1000, 5, 2015/09/11) */
CONFIDENTIAL COMMUNICATION
September 11, 2015
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] is correct, her monthly payment due date is the 3rd of each month. Ms. [redacted]'s account indicates we received payments from her on June 4, 2015, July 8, 2015, August 4, 2015 and September 3, 2015.
Our records indicate Ms. [redacted]'s statements were delivered to her via email at [redacted]@AOL.COM. The payment due date is indicated on each monthly statement.
Please understand that a late fee is assessed when a payment is received past the scheduled due date or when it does not meet the required amount due. Late fees for Fingerhut customers will be equal to the minimum amount due, but not more than $26 for the first time offense. If the customer is charged a second late fee within 6 months, it will not be more than $37. Ms. [redacted]'s account accrued several late fees for this reason, and interest charges accrued at the end of each billing cycle every month a balance was carried.
As a one- time courtesy we have issued a credit for two Late Fees to Ms. [redacted]'s account. She will see this credit on her October 7, 2015 billing statement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ca
Initial Consumer Rebuttal /* (2000, 7, 2015/09/14) */
(The consumer indicated he/she ACCEPTED the response from the business.)
Since the issue was partly my fault....I accept their response. However, I do feel a charge of $37 is way to much for a 1 day late fee. That's what banks charge and they are not a bank. Thank you
for helping me solve this issue.
I am rejecting this response because: It makes no sense. If I were to contact the company to open an account, it would happen immediately and I'd have a credit line to spend. But because I want my account closed, they're jerking me around. I will NEVER buy another thing from Fingerhut. Their quality is terrible, prices are outrageous, and they don't stand behind their merchandise. Saying they "can't close an online account" is absolute baloney! No further action is required. It's a waste of time but you can bet everyone I know will be warned about Fingerhut and their bogus business practices.
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 inquiry we received from your office on behalf of Mr. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account. Our records indicate an order was placed on April 4, 2016 for the New Balance Men’s 411V2 Walking Shoe Wide Size 11. We sincerely apologize Mr. [redacted] has experienced this inconvenience regarding the problem with the shoes. We are able to offer a replacement order for the shoes prior to receiving the return of the defective shoes, however, we cannot send the order without charging Mr. [redacted]’s account. Mr. [redacted] received a postage paid return label with the order for the shoes. If we place a new order on his account, upon receipt of the new order Mr. [redacted] may return the defective shoes immediately. Please understand returns may take up to 10 days to be received and processed. Mr. [redacted]’s monthly statement will cycle on May 17, 2016. If the new order is placed prior to the cycle date, Mr. [redacted]’s minimum payment would only change for one to two billing cycles depending on when the return is received. If Mr. [redacted] would like to place the order he may contact our order line at ###-###-####, 7 days a week, 24 hours a day. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
CONFIDENTIAL COMMUNICATION December 21, 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 recent inquiry that we received from your office on behalf of Ms. [redacted] regarding a WebBank/Gettington Credit Account. Ms. [redacted] states the PlayStation 4 she ordered had a scheduled delivery date of December 6, 2016, but it was not delivered and she never received it. When she notified customer service, the representative advised to complete and return the affidavit they were sending, though Ms. [redacted] did not receive the affidavit. Ms. [redacted] does not want to be billed for an item she never received and requests this be resolved. Our records indicate Ms. [redacted] ordered a Sony PS4 with Unchartered4 game on November 30, 2016. United Parcel Service tracking # [redacted] reflects they delivered it to ‘Front Door’ on December 6, 2016 at 4:34 p.m. local time. On the same date, Ms. [redacted] called notifying she did not receive it, and the representative advised to allow more time as sometimes packages are found nearby or left in a concealed location on the premises to prevent theft. On December 9, 2016, Ms. [redacted] called stating the package had not been found/received, and the representative sent a ‘merchandise not received’ affidavit to her address on file of [redacted] Philadelphia, PA 19151. A second affidavit was sent regular mail on December 12, 2016 per Ms. [redacted]’s request. On December 13, 2016, we received the completed affidavit via an email attachment, and on the same date sent an email reply advising the claim was denied pending a police report given the significant monetary value. Ms. [redacted] called on the same date and the representative provided a fax number to fax the police report as well. To date, we have no record of receiving the police report, and once received, we will proceed with finalizing the investigation, including any adjustments to Ms. [redacted]’s account at that time. She may fax the report to ###-###-####, Attn: MNR Claims or email it to [email protected]. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/a
Initial Business Response /* (1000, 5, 2015/07/30) */
CONFIDENTIAL COMMUNICATION
July 30, 2015
# [redacted]
Revdex.com of Minnesota
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.
As stated in the inquiry and supported by our records, Mr. [redacted] ordered a Bounty Hunter Sharp Shooter II Detector Kit on July 6, 2015. The Order Line phone agent assisting him with placing the order applied promotion code 'E5474'. This was for a ten percent discount in the amount of $18.40, and it was immediately deducted from the order total upon being placed.
Please understand that our order servicing system is designed to accept one promotion code per order, in accord with our policy on promotion codes. If Mr. [redacted] had a second code for free shipping, it would not have qualified to be applied.
Mr. [redacted] sent an email on July 21, 2015 inquiring why he did not receive free shipping on the order, since he had received an advertised offer from us for it. On July 24, 2015 an agent replied by email stating, in part, "At different times we will offer this promotion and in order to take advantage of it, the free shipping promo code would need to be entered on the order. In addition, please note that only one promotional code can be applied to an order...however, as a one time exception, I am going to credit back the shipping on this order."
As a reassurance to Mr. [redacted], he received an account credit for the $19.99 shipping costs on July 24, 2015; it will reflect on a future monthly statement for his records.
Thank you for allowing us the opportunity to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
Initial Consumer Rebuttal /* (3000, 7, 2015/08/03) */
(The consumer indicated he/she DID NOT accept the response from the business.)
Fingerhut seems to have a problem with Mathematics? My Balance before I ordered was $333.45. The product at the time of order was,$183.99-10%=$165.59. They said they would waive the Shipping and Handling of $19.99.They have my Balance listed at, $508.05 because of this. It should be,$499.04. Since this is leaving such a Bad Taste in my Mouth, I have until the 18th of August to return it. Thank-You, [redacted]
Final Business Response /* (4000, 9, 2015/08/10) */
CONFIDENTIAL COMMUNICATION
August 10, 2015
# [redacted]
Revdex.com of Minnesota
Attn: [redacted]
220 S River Ridge Circle
Burnsville, MN 55337
Re: Case # [redacted] - [redacted]
Dear Ms. [redacted],
I am writing in response to the further inquiry we received from your office on behalf of Mr. [redacted]
We agree that Mr. [redacted]'s balance would be $499.04 after applying the ten percent discount and the free shipping/handling; however, the interest charge on his most recent billing cycle was $9.01. $508.05 is the correct end balance as it is the sum of $499.04 plus the monthly interest charge.
$9.01 is the correct interest charge for Mr. [redacted]'s most recent billing cycle. As a reminder, interest will accrue monthly for as long as the account carries a balance, per the terms and conditions of the Agreement.
Thank you for allowing us to explain.
Sincerely,
Vi [redacted]
Executive Care Team
VF/ah
CONFIDENTIAL COMMUNICATION March 14, 2017 Better Business...
Bureau 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. In Mr. [redacted]’s inquiry, he states that Fingerhut is refusing to close his account. Mr. [redacted] also states that he completed a claim with SafeLine Insurance Program due to his hours being cut down to only 4 days a month but was denied after filing appropriate papers to SafeLine. Mr. [redacted]’s desired resolution is to close his account, remove the credit line increase on his account and return the merchandise that was purchased. Upon review of Mr. [redacted]’s account we find that on February 27, 2017 we received written documentation requesting that his account closed which was processed on the same day. His account was marked ‘Closed – Customer Request’. As Mr. [redacted]’s account is closed, no new purchases will be allowed, but he is responsible to pay the balance on the account of $1,093.49. The next scheduled payment of $219.96 is due on April 7, 2017. We encourage payments be made on time so additional late fees will not accrue. Mr. [redacted] will not be able to return the merchandise he purchased for credit as the 90 day time frame has passed, according to our return policy. Our return policy can be found on our website located at the bottom, located under “Customer Service” and in our catalogs in the Blue Pages. SafeLine Plus is a program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are met. The monthly fee for the SafeLine Plus plan is $1.19 per $100 of the total balance of the WebBank/Fingerhut Credit Account at the end of each monthly billing cycle. This fee appears on each statement when there is a balance on the account being covered by the plan; it is located in the fees section of the statement. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time. In Mr. [redacted]’s inquiry he stated that he wanted the credit line increased removed, at this time we have no record of Mr. [redacted] requesting his credit limit be decreased. According to the “Terms and Conditions of a revolving account, we have the right to review for credit line increases. As stated above Mr. [redacted]’s account is now closed, he will not be receiving any further credit line increases. Our records indicate Mr. [redacted] opened his account on our website on September 29, 2016. Mr. [redacted] enrolled in SafeLine Account Protection Plan while placing a website order on November 5, 2016. Mr. [redacted] would have received the terms and conditions for his SafeLine Account Protection Plan, sent out the following day. After reviewing Mr. [redacted]’s account we show he notified us of his reduction in work hours on January 9, 2017, advising the change occurred on December 6, 2016. As the reduction was less than 20%, the claim was denied per the terms of SafeLine Plus, and he was informed on February 13, 2017. Please note that SafeLine services reviewed the documentation submitted by Mr. [redacted] and determined that it did not show a reduction in hours that meets the requirements for an approved benefit. The customer submitted a paycheck stub that does show payment, but it did not include the hours worked, nor does it show a reduction in the hours worked. Mr. [redacted]’s application indicates the hours he was working varied in nature to begin with, meaning he did not indicate he worked regularly scheduled hours. The paystubs also did not support one of the main requirements, which is that he was working in the job for 3 months preceding and that the reduction was over 30 days. Since the hours vary by nature, no hour reduction would not exist. If Mr. [redacted] has any questions about the benefit request, he may call SafeLine Services at ###-###-#### Monday – Friday, 8:00 am – 5:00 pm, Central Time. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/rg
I am rejecting this response because:The response...
does not state that they will correct the information on my credit report. I would like the correct information reported to the credit bureau and the late payments being reported to be removed from all credit reports/credit reporting agencies.
CONFIDENTIAL COMMUNICATION June 14,...
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 Fingerhut/FreshStart Account. Ms. [redacted] claims she purchased a defective Keurig from Fingerhut. She has requested prepaid postage labels to return the product however has not received them. She is wanting to return to product and be credited for what she has paid on her account. Our records indicate Ms. [redacted] purchased a Keurig K55 Single-Serve Brewer on April 23, 2016. On May 6, 2016 Ms. [redacted] contacted Fingerhut stating the Keurig was defective. Fingerhut does require returns and exchanges to be made in accordance to 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.” A return label would have been included in the original package, however on that same date a prepaid postage label was mailed to Ms. [redacted]’s address, [redacted] Harlingen, TX 78550. Ms. [redacted] contacted Fingerhut on May 20, 2016 stating she never received the prepaid postage label. On that same date, an additional postage label was mailed. On June 14, 2016 a third prepaid postage label was mailed to Ms. [redacted]. She should allow 7 to 10 business days to receive the postage label. Considering Ms. [redacted] contacted Fingerhut within 30 days of the purchase date we will issue her credit or exchange upon review of the item once received. As Ms. [redacted] is returning the Keurig to Fingerhut she is still required to make the minimum payments due on her account. At this time the current balance on her account is $131.38. A minimum payment of $23.52 is due by June 20, 2016. Thank you for allowing us to explain. Sincerely, Vi [redacted] Executive Care Team VF/KS
CONFIDENTIAL COMMUNICATION April 25, 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 Ms. [redacted] placed an order on our website on August 19, 2014 for the Beats by Dr. Dre Studio Wireless Headphones in Red totaling $483.98. Interest charges are billed monthly when Ms. [redacted]’s statement is printed per the terms and conditions of the account. Additionally, Ms. [redacted] enrolled in SafeLine Plus Account Protection at the time she applied for the account on our website on August 19, 2014. To enroll in SafeLine on our website is a two-step process which required Ms. [redacted] to select that she wanted to enroll her Fingerhut credit account in SafeLine Plus and once enrolled, Ms. [redacted] was required to agree to the terms and conditions of SafeLine Plus. SafeLine Plus is an optional program designed to assist the customer in making their payments should the customer experience a covered event such as unemployment, disability, a major life event, or a change in primary residence impacting the account holder. When a benefit application is received and approved, the plan will cover the current minimum payment due on a customer’s credit account during a covered event for 1 to 12 months, depending on the benefit. For some benefit events, like death or foreclosure, SafeLine Plus will waive the entire balance as of the date of the event (up to the assigned credit limit) providing all conditions are met. Ms. [redacted] would have also received the terms and conditions for SafeLine Plus within a few days of enrolling in the program. SafeLine Plus fees have appeared under the fees section of each monthly statement from September 13, 2014 through March 13, 2016. It is the responsibility of our customers to review their billing statements each month regarding the charges and credits. If our customers feel that there is an error in billing, we can review the error with our customer at that time. Additionally, on the back of our monthly billing statements, under, “What to do if you think you find a mistake on your statement”, it states the address to write to, and also states: “You must contact us within 60 days after the error appeared on your statement. You must notify us in of any potential errors in writing”. On April 15, 2016 Ms. [redacted]’s account was credited in the amount of $4.28 for the SafeLine Plus fees she was billed in the last 60 days. No further credits will be issued for SafeLine Plus. Our records also indicate Ms. [redacted] was charged late fees on November 9, 2014 and January 9, 2015 in the amount of $26.00 each due to her minimum payment being received after the due date on the account per the terms and conditions she agreed to at the time she opened the account. Ms. [redacted] also received late fees on February 9, 2016 and April 9, 2016 in the amount of $14.99 each. It is important to make the minimum payment on time by the due date each month to avoid late fees. As Ms. [redacted] remained obligated to make at least the minimum payment due, 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. Ms. [redacted] is responsible for the remaining balance on her account of $184.32. Thank you for allowing us to assist and explain. Sincerely, Vi [redacted] Executive Care Team VF/bw
March 18, 2016
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 he was informed on February 24, 2016 that once his account was paid in full, it would be removed from his credit report. He further states that he made a $150.00 payment to catch up on the account and was unaware at that time the account was charged off. Mr. [redacted] indicates he has settled his account with the account owner, [redacted]. Mr. [redacted]'s desired resolution is to have the trade line removed from his credit bureau reporting.
Our records indicate that on September 30, 2013, an application was processed online using Mr. [redacted]' personally identifiable information. He was approved for a Fingerhut FreshStart Installment Loan account ending in 5218 with a credit limit of $130.00. Mr. [redacted] successfully completed the FreshStart Installment Loan account and graduated to Fingerhut revolving credit account ending in [redacted] on March 20, 2014.
The unpaid balance of $556.54 charged off on August 7, 2015 and the account was sold to [redacted] on September 1, 2015.
According to our records, Mr. [redacted] contacted Fingerhut on August 13, 2015, after the account had charged off and scheduled a partial payment for $150.00. Mr. [redacted] spoke to a second representative approximately 30 minutes after he scheduled this payment and was advised the account was charged off and may be sold at any time. Per Mr. [redacted] request, the scheduled payment for $150.00 was cancelled that same day.
Fingerhut received an email from Mr. [redacted] on October 27, 2015 checking to see if he could get his account re-instated after he recovered from his financial issues. Mr. [redacted] was advised his account was sold to [redacted] and he was directed to contact the account owner.
Mr. [redacted] has disputed the account with the credit bureaus on November 12, 2015 and January 8, 2016. He was advised each time his account was reporting accurately as sold to another lender and he was directed to contact the account owner.
A review of the chat transcript on February 24, 2016 indicates that Mr. [redacted] was advised his account was sold to another lender. He stated he was told he would have to contact Fingerhut to have his trade line removed. He was advised that even though his account was sold to another lender Fingerhut will still reflect on his credit report. He again asked who to speak with at Fingerhut about getting his account removed once his payment cleared. He was advised to contact [redacted] for further assistance. However, the representative incorrectly stated "your account will be automatically removed from your credit report once your payment is cleared from the agency handling your account." We apologize for any inconvenience this may have caused.
Please note Fingerhut does not offer deletion of credit bureau reporting for payment. We are required by law to furnish accurate reporting.If Mr. [redacted] was promised by [redacted] that they would accept payment for deletion of their trade line and they are still reporting his account to the credit bureaus, he would need to contact [redacted] directly at [redacted].
An account review completed March 17, 2016, indicates the credit bureaus are accurately reporting the account as Transfer/Sold or Purchased by Another Lender with a balance of zero.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted] 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.
Thank you for the opportunity to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/sa
My question as to how they obtained my social security number without my consent was NOT answered.
CONFIDENTIAL COMMUNICATION June 6, 2017 ...⇄ ...
Revdex.com of Minnesota �...⇄ # [redacted] Attn: [redacted] 220 S River Ridge Circle Burnsville, MN 55337 Re: Case # [redacted] – [redacted], [redacted] Dear Ms. [redacted], I am writing in response to the inquiry we received from your office on behalf of Ms. [redacted] regarding a WebBank/Fingerhut Advantage Credit Account.
I am rejecting this response because: I have never had a contract with [redacted] and would like to see the original contract with this debt company. Is this not a violation of privacy information released to this company. I did not have a contract with [redacted] .
I am rejecting this response because:The item was returned and they are the administrators of their own systems. They can undo this intentional hit on my credit. I was not renting broken merchandise, yet they want me to pay some sort of a rental fee or fee for broken stuff. This is ridiculous. I know I will not do business with the con artists anymore. The ONLY reason I accepted an account with them was to rebuild my credit, and now they are ruining it for me because they wanted some money out of their overpriced broken piece of junk PC.This is terrible business and unprofessional.This PC was literally $200 more than EVERY other store not owned by Bluestem Group. I even asked them to drop the price a little for me. I didn't care to have the PC, then it came bent, dented, and scratched up. They are con artists who prey on people like me. I had to file bankruptcy due to divorce and an ex-wife who refused to assist me in paying bills, then she got child support even though we had 50/50 custody. In America, it doesn't matter what your reason is. I had to file bankruptcy and now I have to depend on installment loans, payday loans, fingerhut type companies, and high interest credit cards JUST to rebuild my credit. It gives the consumer absolutely NO power because businesses can behave like fingerhut. I made a poor choice in selecting them as a business I would work with, but forget that. I will only tarnish their name with the truth. They are a bunch of con-artists who take advantage of people.
CONFIDENTIAL COMMUNICATION
March 24, 2016
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 a WebBank/Fingerhut Credit Account. Enclosed are a statement of account activity, credit application, Terms and Conditions, and an unordered merchandise affidavit.
Mr. [redacted] states in his complaint that there is a WebBank/Fingerhut credit account on his credit report that he believes is fraud. Mr. [redacted] is requesting more information about the account, specifically when the order was placed and what was ordered.
The WebBank/Fingerhut credit account ending in [redacted] was opened on September 28, 2014 when an application for credit was processed online. The name, phone number and email address on the application is the same one provided when contacting us regarding this issue.
One order was placed on September 28, 2014 for an XBOX One Console. The merchandise was shipped by Spee Dee to the address on the application.
A payment for $81.98 was processed on November 22, 2014 with a MasterCard debit card ending in [redacted]. The name on the card was [redacted]. The unpaid balance of $703.22 charged off on July 5, 2015 and the account was sold to [redacted] on August 4, 2015. [redacted] can be reached at ###-###-####.
According to our records, Mr. [redacted] spoke with Fingerhut on April 16, 2015. The account was verified and Mr. [redacted] stated he would pay off the account in May 2015.
The last record of speaking with Mr. [redacted] was July 3, 2015 in which he verified the account and stated he was unable to pay because he was waiting for a tax refund. After reviewing the call recording, Mr. [redacted] gave no indication he suspected this account was opened fraudulently.
An account review on March 18, 2016 confirmed that the credit bureaus are reporting accurately as Transfer/Sold or Purchased by Another Lender with a balance and past due of zero.
We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in Mr. [redacted]'s Welcome Packet. It states:
"If you fail to fulfill the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies."
Conversely, accounts that are in good standing will be reported as well.
If Mr. [redacted] believes this account was opened fraudulently, he can complete and return the attached unordered merchandise affidavit. We also ask that he file a police report and send both copies to the following address:
Fingerhut
Attn: Fraud Department
[redacted]
St. Cloud, MN 56303
Mr. [redacted] may also fax the affidavit and police report to ###-###-#### Attn: Fraud. Please include the customer or account number on the fax so we can locate the account.
Once we receive the affidavit and police report, we will be able to conduct a full fraud investigation.
If Mr. [redacted] has further questions or concerns, he can contact the Fraud Department at ###-###-####. Their hours are Monday - Friday 8:00am - 6:00pm Central Time.
Thank you for allowing us to explain.
Sincerely,
Kari [redacted]
Executive Care Team
KD/lg
Enclosures