Bluestem Brands, Inc. complaints

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, jose.puente92@email.bakersfieldcollege.edu, 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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Dear Mr. Staso, We are writing in response to your recent inquiry filed with the Business Consumer Alliance (BCA), regarding your WebBank/Fingerhut Fetti credit account. In the inquiry, you state you returned a defective product but are still being told to make the monthly payment, including fees. You request the balance be removed and your account closed. We have carefully reviewed all available records in this matter. Please see the findings below. Records confirm on January 31, 2024, you placed your first and only order, via the website, for a 10K Rose Gold Pear-Shaped Genuine Morganite Diamond-Accent Pendant Necklace. Including shipping and tax, the order totaled $454.88. Order fulfillment was handled by the vendor/supplier. On March 20, 2024, our Returns Department received and processed the necklace as a return. As their inspection found evidence of a product defect, you received full credit, including shipping and tax, back to your account for the full purchase price totaling $454.88. As this satisfied the full principal balance owing, all related interest and fees were credited the next day, which reduced the balance to zero. Please note, the only payment you made for $38.99 you processed a 'Stop Payment' on with your bank, which was reversed/refunded back to you on March 25, 2024. Fingerhut is no longer in possession of these funds. On March 19, 2024, your account was closed per your request; however, after you received full credit, you reapplied for a new WebBank/Fingerhut Fetti account, which was approved and opened on March 26, 2024. Your account remains open and available for you to use, should you wish to do so. For further questions or assistance, you may contact our Customer Care at 1-800-964-1975 from 7:00am to 10:00pm Central Time, seven days a week. Thank you for allowing us to explain. Sincerely, Executive Care Team, Fingerhut

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