Complaint Review: Fingerhut - St. Cloud Fingerhut

You don't read very well and you did miss a lot. You must work for Fingerhut. It must be great for you to have had a perfect life and never had financial problems due to being laid off from work. But those of us who live in the real world have had to deal with the crappy job market for several years under Obama. Yes, it has improved greatly under Trump but now the damage is done and trying to get back a head is not easy. I am a responsible person. I made small payments even while I am unemployed, but them suing me has come at the worst time. Having to deal with going to court and trying to find a job at the same time is very stressful.

I get that you are like Fingerhut and you have no sympathy whatsoever, but one day unless you are rich you will go through struggles I guarantee it. The economy has its ups and downs and so does life. Why you are so hell bent on coming on here and calling me names like "deadbeat" and offering no useful advice other than judgement I don't know. You sound like a really harsh person who must be very lonely. Like I have said Fingerhut themselves would have been better off. They would have their money now. They have made LOADS of money off of me and been paid for their merchandise several times over.

I live in the real world and do the best I can. Fingerhut is the ONLY company that has not worked with me and kept to their agreements about catching up payments. As I said before, their lawyers and their customer service reps and the company do not know what the other is doing. They are completely UNORGANIZED and INACCURATE with their accounting. I am not the only one who has experienced this. That is the reason I decided to leave a report. Regardless of me having a past due account, they were NEVER accurate when I was not past due either. They need to completely redo their customer service department and have better communication within the whole company.

You may not like my opinoin of Fingerhut, but  I stand by my complaints of them. They are absoulutely the WORST compnay I have ever dealt with and I felt the same way before they sued me. Fingerhut has no integrity or ethics. I will not respond to you again as obviously I have other things to do, but unless you have useful advice on how to deal with Fingerhut specifically I would rather you not leave another response becasue I don't want another useless email telling me I have a response which is totally useless. Go judge somebody else. I am trying to get through a court case and pay bills and live my life. I don't need people who think they are all that judging me while I am seeking help to resolve this matter.

Your report reads more like the "Deadbeat's" handbook, where everything is the "Big Evil Bank's" fault.

You feel that a company is under some "moral" obligation to just allow you to change the terms of the agreement you borrowed the money under originally and they just have to accept any changes you decide on. Where if you "can't" make your payments they just need to let you be, because you will pay them...at some point in the future when you are "better off". 

It is doubtful you had a good credit score before you got Fingerhut as people with even average credit scores do not end up with a Sub-Prime creditor like them. That is unless you just like paying extrodinarily high interest rates.

Robert, you missed the whole point of my report. I don't have time to write a thick chapter book about Fingerhut, but I can tell you 100% they are NOT ethical and they do not keep up with payments and they do NOT keep their payment agreements. I NEVER said I didn't owe them, I said they do NOT keep track of payments accurately whether you are on time or not. Fingerhut does not know what their lawyers are doing and they don't know what their customer service reps are dong and Fingerhut does not keep up with online payments and mail payments accurately at all. I have paid WAY MORE than the original merchandies I bought and WAY TOO MUCH interest and late fees and all those other service fees they tack on.  I could have bought the cheap merchandise I got from Fingerhut 20 times over in a store with cash. Even before I lost my job they did NOT KEEP ACCURATE RECORDS OF MY PAYMENTS. Their totals were always wrong. Calling customer service was a waste of time. They don't know what is going on either. FINGERHUT SUCKS TO THE CORE!!! If you love them so much have at it. I personally will NEVER deal with them again and will tell all my friends and family not to deal with them or any other catalog credit company.

Before Finergut I had a high credit score, now it is low average. AND if the jerks at Fingerhut want to get paid they will not keep suing because that affects people being able to get a good job to pay them back. They could of been paid in full a  long time ago if they had not of sued and caused my background check to be bad. I have to totally change my line of work now because of their suing me and that means it will take LONGER to pay them off because I won't get paid as much. Fingerhut is WAY TO SUE HAPPY. They have made plenty of money off of me and way more than any merchandise I ever bought from them. They should of been a little more patient becasue they would of gotten one or two big payments rather than the tiny payments I will be able to afford once I start working again at a much lower pyaing job since they have ruined my chances of working in my line of work for now. Once I start working if they get a judgment agsinst me I will probably be fired. No crappy job is going to go through the trouble of garnishment. I was paying just fine like their customer service rep said and then they sue me. I was making payments even though I was not working. There is NO WAY IN HELL I can pay them the whole amount now at one time and if they win in court They won't get it any time soon because I am not working and with this hanging over my head it will be hard to gain decent employment. It is a lose/lose situation. Fingerhut would of beeen better off to let me keep making payments and once I got employed again I would have made BIG payments and knocked out that debt quickly. Now, the whole situation seems hopeless. 

This may be a shock to you, but creditors don't really take too kindly to people not paying their bills.

Since they are so "sue happy", when you got sued last time with you claiming they didn't count your payments from 2017 and 2018 you of course went to court and showed them proof of these payments...right?

My advice to anybody thinking about opening a Fingerhut account is DON'T DO IT!!!!!

- Let me add this to your statmeent "....If at some point you plan to stop paying what you made a legal agreement to do".

Just buy stuff with cash and grow your creidt another way. Get regular major credit cards.

- A major principal of credit is that your credit rating doesn't grow if you don't fufill the legal agreements you made to pay back the money borrowed.  If you really think other creditors would be more forgiving, perhaps you should read the hundreds of reports on this site stating otherwise.

They are too sue happy and they don't stand by their agreements regarding payment arrangements.

- That statement really loses something when you are the one who originally failed to make the payments you made a legal agreement to do so.  I bet the history of these "arrangements" would explain a lot as to why you are in this situation.  Such as how many arrangements did you have, when did you have them?  Did you follow EVERY arrangement without trying to get additional "arrangements"?  Was every payment under these arrangements On-Time(not even a day late) and for the full agreed to upon amount?  Then of course the big one, since you had these arrangements in place when you went to court you could show the judge how you were following them and should be allowed to continue...right?