Fingerhut, Jefferson Capitol System Account is never credited but the company keeps taking payments Saint Cloud Minnesota, Newark New jersey, Bloomington Minnesota Nationwide

 I have been a customer with Fingerhut for a year and they love to increase your credit when you are a in time paying individual. I returned an item in October 2016 and Fingerhut did not credit my account. I have made payments on time and sometimes just paying the item off completely but Fingerhut will not credit account . I called to speak with cs in numerous occasions and no one ever knows what I am talking about. The last conversation I had with Fingerhut customer service was May 8th 2017and the rep insisted on telling me that my due date is the 7th of each month yes but I should pay it on the 6th because if I pay it on the 7th it is late! I pay my bills on the evening before due date or the morning of due date so that excuse did not make sense!! My money is not being credited to my account !! This company is a rip off!! I am seeking help with a lawyer or class action . I did not realize that this was happening until I checked my credit available one day and realized it has not changed for 7 months.