My complaint is about Fingerhuts fee’s. Fingerhut is a company that plays on people who are trying to repair questiinable credit scores. They do sell products that are over priced with outrages interest rates. My complaint is about what I consider illegal late fee’s and defered payment plans. I admit to buying a product from them that pushed my credit line to the limit. I have made all my payments on time through automatic billing service they provide in managing your account. When I did make my last purchase they did not apply the deferred payment plan. Everytime I was notified by email that my automatice payment was credited to my account I was never notified about late fees. Cosequentially I did not catch this until I started recieving robo calls for a demand of payment. I was horrified. Repeated emails to customer service just added to my frustration until I entered into a hardship payment plan in which they only credited me back two months of late and overage fees. Mind you my account would have never been into overage or late fee charges had they kept their contractural obligation to me per my last purchase. So for three months I made a large payment on a agreed upon payment date using the same automatic payment process. After the three months, which started a new year of setting up auto pay again, I establish auto-pay again through 2014. However their automatic system showed two things, that a payment was recieved monthly, but on the statement one payment was missed. This resulted in $35 fee being added to my account again and continuing now for three months. I have called monthly about this all the while my automatic timely payments are being made. Now again I am getting robo calls, and each rep see’s the problem and they tell me I will not be getting anymore robo calls, but I still am. Since January 2014 I have written to customer service, and now I am writing daily for the last five days. Fingerhut has yet to correct the $35 charges, or contact me via email. I get the standard system upgrade message from them. Quite frankly I am considering stoping my payments so this is sent to collections. At least the interest charges would stop and in the long run I would be further ahead.

Nationwide USA

Financial Services