• Report: #1137807

Complaint Review: fingerhut

  • Submitted: Thu, April 10, 2014
  • Updated: Fri, April 11, 2014

  • Reported By: lonewolf — mashpee Massachusetts
fingerhut
Saint Cloud , Minnesota USA

fingerhut fingerhut is on a late fee spending spree!! Saint Cloud Minnesota

*Consumer Comment: Payment Arrangements...

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i opened a fingerhut acct last year (2013) i ordered some items ie: bathroom set. the quality was rather cheap, far different from the pics in the catalog. my min payment was decent at the time 13.99$ a month. of course i did order more products...... what ever!!  here lies the problem my credit limit was raised during christmas!! by that time my bal was over 700$. i set up a payment plan. at that time my min payment was 47$ a month. i spoke with customer service to make sure my acct was up to date. also set up a payment plan where money would be taken out of my checking acct. i told customer service just round it off to 50$ a month!! the next statement i got had an late fee for 35$!!   i spoke with customer service explaing my acct was up to date, and i set up a payment plan. naturally the person had no reccolection of that. do we sense a communication break down??  after expaining everthing twice they wavied the late fee!! figure everything was all set??   but wait theres more!!!   i just recieved my statement for march 2014. guess what another late fee!!!   35$    i spoke w/ customer service how can this be??  the woman was rude and uncaring. i got no were w/ her!! by right i belive its illegal to charge a late fee after a payment plan has been set up. i filed a complaint to the bbb. im waiting to here back from them. i would advise that you dont use fingerhut for online shopping. walmart would be an alternate choice. thank you!!


This report was posted on Ripoff Report on 04/10/2014 11:33 AM and is a permanent record located here: http://www.ripoffreport.com/r/fingerhut/Saint-Cloud-Minnesota/fingerhut-fingerhut-is-on-a-late-fee-spending-spree-Saint-Cloud-Minnesota-1137807. The posting time indicated is Arizona local time. Arizona does not observe daylight savings so the post time may be Mountain or Pacific depending on the time of year.

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#1 Consumer Comment

Payment Arrangements...

AUTHOR: Robert - ()

 Interesting how you glossed over one very important key item.  YOU ran up your credit line to a point where you could no longer afford the payments, and had to make "arrangements" to pay off your bill.

Oh as for being charged a late fee if you have made payment arrangements.  Where in your "sub-prime borrower" mentality did you get the idea that was illegal?  A company MAY decide to waive late fees, but they don't have to.  They especially don't have to if you still make your payment late.  So if you "arranged" to have a due date of the 1st, but you don't pay them until the 2nd..you are late and will be charged a fee by just about every credit card company out there.  Payment arrangements or not.

Now of course since you didn't give us every detail about your arrangements or what your statement shows for the last 3 months, such as what is the due date, the due amount, and when and how much you actually paid each month.  It is impossible to tell you for sure what happened.  But based on what you did write the only ripoff is you thinking that THEY are the one who is wrong.

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