Public Mediation

R.L. vs. Finger Hut

FINGERHUT---RIP--OFF

R. L. vs. Fingerhut Company, Inc.
6509 Flying Cloud Dr, Eden Prairie, Minnesota, 55344-3307, United States
Amount Involved: $508.00
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Statement of Claim
Complaints Involved (5) - View
Claimant says:
"FINGER HUT SOLD ME A DEFECTIVE, CHEAP, PIECE OF CRAP COMFORTER, I PAID OVER $110.OO . I PAID MY ACCT. EVERY MONTH WITH-OUT ANY DELAYS, WHEN I TOLD THEM OF THIS LOUSY COMFORTER THAT HAD SMALL PIN HOLES IN IT AND THE STUFFING WAS COMING OUT, THEY REFUSED TO LET ME RETURN IT FOR A CREDIT. THIS IS THE 2ND. COMFORTER THEY SOLD ME THAT WAS A PIECE OF CRAP- LOUSY QUALITY THEY DID TAKE THE 1ST. BACK, THEY TOLD ME TO TRY A GREY ONE, SO I TRIED ANOTHER ONE. THE 2ND COMFORTER WAS EVEN CHEAPER THEN THE 1ST. ONE, I OWED THEM $80.OO BALANCE,THEY NOT ONLY LIED ON THE STATEMENT TO THE CREDIT REPORT, NOW THEY SAY I OWE THEM $144.OO A RIGHT OUT LIE,UNTRUTHFUL, AMOUNT. THEY INTENTIONALLY HAVE HURT MY CREDIT RATING FOR THE FACT THAT THEY SELL DEFECTIVE-CRAP-PRODUCTS AND THEN REFUSE TO TAKE BACK. THEY OWE ME THE AMOUNT OF THE COMFORTER, PLUS I HAVE A RIGHT TO SUE FINGER HUT FOR SELLING DEFECTIVE, PRODUCTS, AND REFUSE TO EXCEPT THE RETURN FOR CREDIT. I WANT MY CREDIT REPORT REMOVED OF THE DAMAGE FINGER HUT HAS CAUSED ME. IF THIS IS NOT CORRECTED I WILL FILE A SUIT IN COURT FOR THE DAMAGE TO MY CREDIT REPORT, AND THE PROPER AMOUNT RETURNED TO ME"
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Additional Communication Between Claimant and Fingerhut Company, Inc. Hide
  • May 20, 2016, Claiming party added:

  • YOU DAMN PEOPLE ADDED MORE MONEY TO A CLOSED ACCT. ON MY CREDIT REPORT, SO THERE IS MORE PROBLEMS COMING YOUR WAY, I AM NOT DONE CAUSING YOU MORE PROBLEMS----JUST WAIT!!!!

  • May 20, 2016, Claiming party added:

  • FINGER HUT HAS ADDED MORE MONEYS TO MY CREDIT REPORT ON A CLOSED ACCT. HOW IS IT LEGUAL TO ADD MORE MONEYS TO A "CLOSED" ACCT. AGAIN FINGER HUT HAS LIED,AND WILL CONTINUE TO LIE SIMPLY BECAUSE THEY ARE A COMPANY THAT CAN DO WHAT EVER THEY WANT AGAINST A SENIOR CUSTOMER LIKE ME

  • May 20, 2016, () added:

  • Robert Lombardi # 3496013919
    800 North Lemon Avenue
    Apartment 403
    Sarasota, FL 34236

    Dear Mr. Lombardi,

    You state Fingerhut sold you a defective comforter. You claim Fingerhut will not accept the item as a return. You do not want to pay for a comforter that you claim was defective.

    Our records indicate you purchased a Down Alternative Stripe Comforter - King on July 18, 2014 for $107.99 plus $17.99 shipping/handling. You contacted Fingerhut on January 1, 2015 stating the comforter you received had a hole in it. A Fingerhut representative explained the return policy which states:

    We will grant exchange or issue a credit for full cash price within 30 days of receipt. After 180 days, we will no longer grant an exchange or issue a refund. Shipping and handling charges are nonrefundable. Computers, camcorders, videogames, and generators: Fingerhut offers returns and exchanges through the 30-day home trial period for the full cash price. After that time we can no longer grant exchanges or accept returns. Other product concerns must be handled under the manufacturers’ warranty. Software and music CD’s: May be returned for credit or refund only if in the original unopened packaging with the factory seal intact. Exchanges are permitted for the identical product only.

    On February 2, 2015 a Fingerhut representative sent a prepaid label to return the comforter to your email (RLOMBARDI49@GMAIL.COM). As the return was outside of the timeframe for allowable returns, the representative should not have sent the return label to you as Fingerhut would not have accepted it. We apologize for this representative error.

    We received the return on February 16, 2015. On February 18, 2015 we mailed a letter to you stating we were unable to accept the return for a refund or exchange due to the length of time that has passed from the date of purchase.

    You contacted Fingerhut on February 19, 2015 insisting a credit be given for the comforter. As a one-time exception to our return policy, the full merchandise price of $107.99 was issued to your Fingerhut account. You were still required to pay for the original shipping/handling of $17.99. As our return policy states, “the original shipping/handling is nonrefundable on return merchandise if the item is not damaged, defective, or in the case of a shipping error.” Since credit for the merchandise was issued as a onetime exception, you were required to pay the original shipping/handling of $17.99.

    You purchased an additional Down Alternative Stripe Comforter - King on March 17, 2015.On May 2, 2016 you requested to return this item. We informed you we were unable to accept this item as a return due to the length of time that has passed since the item was ordered.

    The last payment we received from you was on January 3, 2016. After this payment the balance was $81.92. We did not received a payment in February 2016 which resulted in a $8.99 late fee, March 2016 resulting in a $17.98 late fee, and April 2016 resulting in a $28.97 late fee.

    When you opened your Fingerhut Credit Account you agreed to the terms and conditions. Within these terms and conditions it states, “Late fees will be equal to your minimum payment due with a maximum amount of $27.00. The maximum amount will increase but not be more than $37.00 if you did not make your minimum payment on time in any one of the 6 prior billing cycles.”

    As a reminder, your Account with WebBank/Fingerhut is a revolving credit account. As such, it is subject to accrued interest changes whenever a balance is carried from one billing cycle to the next. The interest is calculated based on the account’s current Annual Percentage Rate of 25.15%, and the monthly charges will vary in relation to increases or reductions in the account’s balance from month to month.

    On January 11, 2015 you requested to close the account with Fingerhut. On that same date a request was processed and the account was closed. Per your request your account was reopened on February 9, 2015.

    You requested your account be closed again on July 31, 2015. That same date your account was closed. If your account was not paid in full when it was closed, your outstanding balance will continue to accrue interest and other changes and be subject to the terms and conditions of the Agreement. After July 31, 2015 you were not able to use your account for any further purchases.

    We have reviewed and found the credit bureaus are reporting accurately at this time. We cannot revise the information we are reporting to the credit bureaus as we are required by law to furnish accurate reporting. Please reference the Reporting and Monitoring section of our terms and conditions that was included in your Welcome Packet. It states:

    “If you fail to fulfil the terms of your credit obligation, a negative report reflecting on your credit records can be submitted to one or more credit reporting agencies.” Conversely, accounts that are in good stating will be reported as well.

    As of the date on this letter your account balance is $147.06. A minimum payment of $58.95 is due by June 5, 2016.

    Sincerely,




    Vi Finch
    Executive Care Team

    VF/KS


  • May 20, 2016, Claiming party added:

  • Add y

    ROBERT LOMBARDI says on May 20 2016, 02:54
    FINGER HUT HAS ADDED MORE MONEYS TO MY CREDIT REPORT ON A CLOSED ACCT. HOW IS IT LEGUAL TO ADD MORE MONEYS TO A "CLOSED" ACCT. AGAIN FINGER HUT HAS LIED,AND WILL CONTINUE TO LIE SIMPLY BECAUSE THEY ARE A COMPANY THAT CAN DO WHAT EVER THEY WANT AGAINST A SENIOR CUSTOMER LIKE ME our information here

  • May 20, 2016, Claiming party added:

  • Add

    ROBERT LOMBARDI says on May 20 2016, 02:54
    FINGER HUT HAS ADDED MORE MONEYS TO MY CREDIT REPORT ON A CLOSED ACCT. HOW IS IT LEGUAL TO ADD MORE MONEYS TO A "CLOSED" ACCT. AGAIN FINGER HUT HAS LIED,AND WILL CONTINUE TO LIE SIMPLY BECAUSE THEY ARE A COMPANY THAT CAN DO WHAT EVER THEY WANT AGAINST A SENIOR CUSTOMER LIKE ME your information here

What Claimant Wants Hide
1. Compensation: $144.00 May 20, 2016 $144.00
2. Recovery of Losses: $110.OO May 20, 2016 $110.00
3. Refund: COMFORTER May 20, 2016 $110.00
4. Pay me for my time: DAMAGES/STRESS May 20, 2016 $144.00
5. Other – Pay for claim posting cost May 20, 2016 $7.99
Just make me happy!
Claimant invites FingerHut Company, Inc. to make a fair offer to resolve this complaint.
Cash total : $515.99
  • 0
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Respondent's Counteroffer

There has been no response to this claim from FingerHut Company, Inc.. This claim will remain posted until resolved
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