Bluestem Brands, Inc. complaints

In the inquiry, you state after receiving an email notifying your acct would be closed if not used, you ordered a few small items. However, when the statement came, you realized you were charged about double what you would have been charged elsewhwere. You indicated being overcharged for shipping and having too high interest rate. you are requesting a refund of the shipping cost. We have carefully reviewed all available records: Records confirm in 3/25, your Fingerhut Fetti card acct was deteremined "inactive" after reaching 2 yrs of no activity(last purchase 2/12/23) Several communications were sent to you in attempt to ensure you were aware of the inactivity and to allow time to purchase when it was right for you, should you wish to do Recently, on 3/18/25, you used your acct and placed the most recent order via the web. Your acct is considered "active' and will not be closed given your new order. Your latest order consisted of 2 items, along with shipping and tax the total was 104.90 Records confirm your payoff pymt of $104.90 received on 4/11/25 reduced the balance to 0. Thank you for your pynmt. As you paid the balance in full within the same billing cycle, no interest or fees were assessed. Your acct remains at a 0 balance as of this writing. A review of your last order confirms there was no catalog number or promotion code applied which offered free or reduced shipping. As such, we are unable to comply with your request to refund the shipping charges. You may check your email, website or catalog mailing for promo cosed for any upcoming discount/payment deferral/free shipping etc special offers.

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Company states; An online application for credit with WebBank/Fingerhut was processed on April 29, 2017, via the internet with your personally identifiable information. The name, Social Security number and date of birth had successful validation by the automated underwriting system, and the customer data was matched against independent third-party data. Additionally, there were no fraud indicators with the application. The application was approved the same day for a WebBank/Fingerhut Advantage credit account. During the application process the customer is required to acknowledge the box which states, "Yes, I accept these terms. Clicking submit constitutes my signature to this application for credit." Two orders were placed on this account. The first order was placed over the phone on August 11, 2017 for a total of $126.52, and the second order was also placed over the phone on August 31, 2017 for $270.04. The orders were shipped to address 2325 7th St, Wasco, CA 93280. This is the same address you provided on your complaint to the Better Business Bureau (21478438). No payments were received for these orders. You opted for electronic delivery of your statements, and each month on the 19th day, Fingerhut notified you via the email on file, [email protected], that your statement were available. When your account was in a past due status, statements were mailed to the address on file, until the account charged off. Credit Reporting: According to an account review, Equifax, Experian, and TransUnion are reporting the WebBank/Fingerhut Advantage credit account ending in **65 accurately 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 to furnish accurate reporting. Please reference the Reporting and Monitoring section in the terms and conditions of the account. If you still have questions about the account regarding what has or has not been reported to the credit bureaus, you may contact Equifax at www.equifax.com, TransUnion at www.transunion.com, or Experian at www.experian.com. Thank you for allowing us to explain. Sincerely, Executive Care Team Fingerhut

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