fingerhut sent wrong item saint cloud Internet

i purchased a  14k mothers ring from fingerhut back in 2013 when i received the item it was the wrong size i called fingerhut and they said because it was the fresh start program i could not return the item so i was mad and took it to a local jeweler and they told me the ring was fake worth about 90 cents so of course i was angry i called them back and they said there is nothing i can do i have been fighting with them for years they continue to sell my debt to other collections agency and my credit has been affected horrible by this i have called head quartes and they just hang up on im thinking about sueing them.