- Report: #1142809
Report - Rebuttal - Arbitrate
Complaint Review: Fingerhut
Fingerhut6250 Ridgewood Road St Cloud , Minnesota USA
Fingerhut Safeline Insurance-- BENEFITS DENIED Saint Cloud Minnesota
*Author of original report: SAFELINE--FINGERHUT--FRAUD
*Consumer Comment: You "forgot" to mention WHY they denied your claim...
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My account with Fingerhut was covered by the Safeline Account Protection Plan. Each month my payment included the cost of being covered by this 'insurance' plan which would supplement and protect my account should I become unable to make payments.
Unfortunately, I was laid off. Lost my job. Requested benefits for my account which was covered by Safeline. The customer service rep was extremely rude to begin with. Each time I called--- I got her. I felt as if she was the only person working in this department. Finally, after requesting several times for the paperwork in which to apply for this benefit I had paid for---I received the benefit request form in the mail.
I sent in all the required documentation regarding my unemployment. Soon thereafter, I received a big fat 'benefit request DENIED!' I was appalled and shocked to say the least! I felt that my account met the requirements-- I made my payments...now that I was unemployed, how in the world could they deny me? Not to mention that my account had already accrued over a hundred bucks in late fees. Horrible.
I wrote the Better Business Bureau. I wrote the president of Fingerhut. I wrote and wrote, furiously. Why in the world would you pay for insurance if it's not there when you run into a situation and you need it?! What a rip off. What a fraud these people are. Now this account accrues 24/9% interest, 35.00 late payment fee, and it just keeps adding and adding.
I'd like to add that my credit history is done for. Forget trying to get on your feet with this type of account--it's only there to ruin everything you've worked for. I hope the world would take pause and really think before opening up a Fingerhut account. It's a sure way to ruin your entire life.
May I add that their debt collectors call my home 6 to 8 times per day!! This entire situation is the worst, and Fingerhut fraudently added an insurance account to my payment plan without my asking them to do so-- just to deny me when I needed it the most. This is a shame!!!!
This report was posted on Ripoff Report on 04/29/2014 06:50 PM and is a permanent record located here: http://www.ripoffreport.com/r/Fingerhut/St-Cloud-Minnesota-56303/Fingerhut-Safeline-Insurance-BENEFITS-DENIED-Saint-Cloud-Minnesota-1142809. 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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