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Posted by Caw236384 on 09/24/2011
I need a mailing address to mail my payment.

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Posted by Anonymous on 2011-09-24:
From their website:

I lost my statement envelope - where should I mail my payment?
Be sure to write your 16 digit account number or 10 digit customer number on your check or money order and mail your payment here:

P.O. Box 166
Newark, NJ 07101-0166

You're welcome!
Posted by Venice09 on 2011-09-25:
Thanks!.. haha
Posted by Joe Shaw on 2013-01-15:
Thank I needed that address to.:-) :-)
Posted by sally on 2013-05-23:
must appreciated, needed the address.
so much help, thank you!(:
Posted by Alonda on 2013-12-28:
Thank you for the blog. Makes Everything so much easier to find.
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Rip off artists
Posted by LizzieD on 08/14/2010
NEWARK, NEW JERSEY -- I have been dealing with Fingerhut for several years. I have purchased items and paid off my account at least twice.
Just recently I have been having problems with them. First of all my billing due date is the 25th of the month. They have recently been calling on the 2nd demanding payment and charging a "late fee". Nothing I say makes any difference in this.
After my latest conversation with them they took it upon themselves to set up an automatic payment transfer without my permission. I called my bank and cancelled this transfer and put a block on any electronic payments to them.
I will continue to pay my bill by check.
I wish I had the money to pay them off right now...but I don't.
So, now, I am getting these harassing phone calls.
You can bet I will never do business with Fingerhut again.
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Posted by Skye on 2010-08-14:
Are they calling on the 2nd day of the following month? If your payment is due say on July 25, are they calling you on August 2nd? If that's the case, then the payment is late.
Posted by Ben There on 2010-08-14:
When are you mailing your checks to them?
Posted by Anonymous on 2010-08-14:
i cant believe people actually still mail checks. I normally write one check a month, to my partner for my half of the bills. Thats it.
Posted by Skye on 2010-08-14:
Why Prince? There are lots of people who prefer to pay by check, then charge things on credit cards. My parents fall into the category. The thing is, now many places that do accept checks, automatically deposit them as electronic withdrawls, so the money comes out immediately, from checking accounts.
Posted by Anonymous on 2010-08-14:
well its not that I use a credit card, but theres online bill pay that most all companies are signed up for, debit cards, etc. Theres just such a variety of easier ways to pay your bills now than mailing out a check and spending 44 cents per stamp.
Posted by Anonymous on 2010-08-14:
then you know they have the money, and dont have to worry about the snail mail and how long it will take to deliver, and hopefully not lose it, and then how long it will take for the company to open it up and input your payment into their system before its late.
Posted by Skye on 2010-08-14:
But some people do not like change, and thats why they pay by check. Whatever the OPs reason, I'm just curious if the day they are calling them for payment, is the 2nd day of the following month, which would make their payment late.

Posted by Skye on 2010-08-14:
By the way Prince, I wasn't implying anything about you, when I mentioned credit cards.
Posted by Anonymous on 2010-08-14:
No problem Skye. youre right though some people are CC happy.
Posted by Weedwhacked on 2010-08-14:
I make my auto payment online but everytime I need to transfer money to my wife's account for our mortgage I withdraw the cash from Bank of America and deposit it to Chase. I don't trust any of these banks with having to write personal checks and having to wait until they decide to clear it.

I also settled an account with two large payments that they wanted by electronic check. Yeah sure, they got two monthly payments in the form of money orders. I was not about to disclose my account information to them.
Posted by spiderman2 on 2010-08-14:
I have 3 bills I pay by check -- two of them (my mortgage and my water bill) want me to pay a service fee for the convenience of paying online and Verizon because every time I pay them online they screw it up. I just make sure to put the check in the mail a few days before its due.Everything else gets paid online.
Posted by lilydarling on 2010-08-15:
If your payment is due on the 25th, do you mail your check by the 18th of each month at the latest? Because anything after that will probably end up getting there late.
Posted by biomajor on 2010-08-15:
I pay my trash service and my water bill by check. Trash isn't available online and it's quarterly, anyway and water wants to charge $1.95 a month to pay my $15.00 bill if I pay online and that's just crazy.
Posted by LizzieD on 2010-08-16:
The invoice arrives on the first of August, the payment is due the 25th of August. They call demanding money on the second of August. I was paying online, as I do all of my bills, until these people took it upon themselves to take money from my account without authorazation.
And, just as a note, I will pay this account with a money order from now on. A check is just inviting bad behavior.
Posted by Skye on 2010-08-16:

Thanks for coming back and letting us know how you are making payments to them. Did they give you a reason, why they are calling to be paid on the 2nd, if the bill is not due for another 23 days? It would be interesting to know what their reason is.
Posted by Sam on 2013-04-26:
Paying bills by money order is the best and only way to avoid this. Send it with confirmation. Anyone paying repeat anyone paying with an echeck here is just not right
Posted by smitty on 2013-08-04:
I have never had a problem with them so far
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Outrageous Finance Charge
Posted by Merrykay on 11/02/2009
I have been with Fingerhut for less than a year now. I hope by publishing this info about Fingerhut I am able to help others before they get nabbed....mafia style by Fingerhut.

Their products are way below average in quality
and their interest rate is outrageous but you don't find any of this out in the beginning as it is not apparent.

Most of their products, in my opinion, must be made in 3rd world countries-- the quality is not evident.

Plus the point I want to make here is the most important:

I have a few other credit cards and the one that charges the least amount with the highest quality is Dillard's at 18%. You get what you pay for and the interest rate is not going to break you and they don't make a point of hiding the rate like Fingerhut does. Shame on Fingerhut.

Fingerhut, how dare they. They do not make you aware in any of their info that their interest rate is 25%. This is criminal, mafia style.

As soon as I get rid of this bill, which is about 3 more payments, I don't want any more to do with them..ever! You would be wise to heed my advice.

Most of what I bought has worn out or broken before I am even able to pay it off. Pure junk of which the Fingerhut members pay 25% for. Guys that is. 25 cents on a dollar....like I said it is Mafia Style.....think about it
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Posted by tnchuck100 on 2009-11-02:
Getting away from Fingerhut is a good move. They are a high interest junk dealer. Their primary customers are those who have poor credit.

But, just for the record, a 25% APR does not directly translate to 25 cents on the dollar of what is purchased.

The way the interest is applied is 25% / 12 = 2.08% per month and is used to calculate that months interest on the unpaid balance. Say, $200. That would be $4.16. The new balance before your payment would be $204.16. Now, say you make a $10 payment. Your new balance is $194.16. Your $10 payment only gained you $5.14 toward your balance.

Most use "average daily balance" to calculate interest. That does gain them a couple of cents more from you.
Posted by CrazyRedHead on 2009-11-03:
We occasionally get a Fingerhut catalog and it explains the finance charge and the shipping charge in it. I was with them a long time ago and agree with you, they are cheap. My husband wouldn't listen to me and ordered something from them, he now agrees with me.
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Phone Calls
Posted by Mocha1482 on 05/19/2006
I have been called by Fingerhut for the past 7 days straight even though I had previously written to them to put me on their do not call list. They called me 5 minutes ago and I told them the very same thing on the phone. Their payment is in the mail and I will never do business with them again. If they call again I am going to the FCC.

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Posted by Doc J on 2006-05-19:
Unfortunately, you have an established business relationship with them. Maybe a letter, certified return receipt, demanding that they remove you from their contact database? I hate to see you spend about $4 to do this. But it depends on how much they annoy you. All best.
Posted by Anonymous on 2006-05-19:
Posted by Slimjim on 2006-05-19:
By saying your payment is in the mail, it sounds like their calling on a past due payment, not soliciting. Do not call lists would not apply here and they can call you once a day.
Posted by DORCAS on 2006-05-20:
Are you sure about that Slim? I'm not disagreeing I'm just wondering if maybe it varies by state. But my understanding is that they are only allowed to call you once about a payment and after that it is harassment. Thankfully I haven't had the pleasure. It's worth finding out tho.
Posted by Slimjim on 2006-05-20:
DORCAS - I always thought that rule was pretty consistent. Once a day as long as they talk to you or leave a message. It could vary I guess.
Posted by mocha1482 on 2006-05-20:
well I told them the last time they called which was 5/19/2006 that their payment was in the mail. I get 3 more calls this morning (all automated messages). Then after that I received another call and I told them the very same thing I had said before. This time a lady was on the phone and I told her that I had spoken with someone previously and let them know what the deal was. I also don't appreciate the call coming in at 7:36 in the morning....
Posted by Anonymous on 2006-05-20:
I think you're wrong slim. A do-not-call list is essentially that. (tr)
Posted by Slimjim on 2006-05-21:
PirateWithParrot - Couldn't be more wrong pirate. Do not call lists have nothing to do with collecting debts. With your debt experience, we all would have figured you knew that.
Posted by Anonymous on 2006-05-22:

Under Provisions of Federal Law, The Fair Debt Collection Practices Act
It is Illegal for Debt Collectors to:
· Imply that failure to pay the debt could result in arrest, imprisonment, or garnishment of wages;
· Call consumers at work when they knew the consumers' employers prohibited such calls;
· Talk with third parties, including neighbors, children, and employers, for purposes other than acquiring location information about consumers, without consumers' consent;
· Cause the telephone to ring, or engage a person in telephone conversations, repeatedly or continuously, with the intent to annoy, abuse, or harass a consumer;
· Threaten to take action -- such as filing a lawsuit -- when they did not intend to do so;
· Call consumers at times or places that they knew or should have known were inconvenient;
· Fail to notify consumers of their right to dispute and obtain verification of their debts, and to obtain the name of the original creditor
· Continue to try to collect debts after consumers disputed them in writing, and before verifying the debts.
· Use obscene or profane language
If you are CONTACTED by a Debt Collector:
NEVER give them your banking or credit card information. They will take much more than you authorize.
NEVER do 'checks by phone' as debt collectors could empty your bank account, you have no recourse.
NEVER send them money via Western Union.
REMEMBER: Debt Collectors have NO power and NO authority and should NEVER be trusted. They will lie and cheat you to get at your money. If it’s NOT in writing, it’s NOT a deal.
BEWARE: Paying a debt collector will NOT get an account removed from your credit. They do NOT have that ability.
RECORD conversations with debt collectors (where legal) so they can be held accountable for breaking the law. Is taping legal in your state: Can We Tape
Collection Attorney Complaints can be handled by filing complaints with the various states bar ethics committees. Visit: Your Local State Bar
Is the debt still within your state’s statute for collection? Statute of Limitations
Need Legal Assistance? If you require the assistance of a consumer law professional, Bud recommends you visit: http://www.naca.net The National Association of Consumer Advocates. (Tell them Bud Hibbs sent you )

Posted by mocha1482 on 2006-05-22:
Thank you so much Lidman. They are still calling me up to 5 times a day now with an automated message recorded. Then afterwards a customer service rep will get on the line. I have told them that their payment has been sent. But yetthey keep calling and it is very annoying. I have written to them previously to put my number on their do not call list and I also told them this over the phone. If anyone here needs to check out more information on bill collectors please go to this helpful website:


Please go under the heading "Your Rights"

This is a great website!
Posted by Doc J on 2006-05-22:
Lidman-Could you cut and paste your post with regard to FCRA? About 3-10 postings have questions about telemarketers or bill collectors. Your succinct advice could help a bunch of folks out there.
Posted by Anonymous on 2006-05-22:
Doc J - I'm not sure if this is what you want but here it is: (http://www.ftc.gov/os/statutes/031224fcra.pdf) It is 86 pages so I didn't post it. Hope this helps?
Posted by Anonymous on 2006-05-22:
Doc J -I found a short version?
Federal law, The Fair Credit Reporting Act, requires that the original creditor must 'Charge-Off' which means, it must act as if your account is non-collectable no later than 180 days from the date of your last payment. This information is then forwarded to the three credit bureaus for insertion into your file. Once there, derogatory entries are allowed to remain for up to seven years from the date of first placement, provided there are no further payments. (If you resume payments, the seven-year clock starts over.) At the point of 'Charge-Off' the account is usually turned over to an outside collection agency and/or law firm that collects debts. The agency/attorney collectors are paid commissions ranging from 15-25% of what they collect. When the agencies get your account, they will sometimes contact you immediately and start making demands for payment and, depending on the varied intelligence level or training of the collector (??), make varied threats, innuendoes, or attempt to intimidate debtors into sending them money. I have never heard of an attorney directly making collection calls, so beware, if you are contacted by anyone claiming to be an attorney. It's illegal under the Fair Debt Collection Practices Act (FDCPA) for anyone to misrepresent himself or herself in the collection of a debt. However, working as a debt collector has never required much intelligence or social skills, so don't be surprised with the level of low life's the industry produces.
Posted by Doc J on 2006-05-23:
Thanks Lid. I knew it was extensive. I keep copies of such in my office. Your post will be a very helpful place for those of us on the site wanting to direct people. Your take on collectors is right on. I never use them because they soil me simply by association. I aggressively (but humanely) collect all of my office accounts. Always boils down to "Did you get the service?" "Did you sign the agreement to pay?" Never been ruled against in court. I'm sure it will happen though.
Posted by Anonymous on 2006-05-23:
Doc J - Your welcome. "Never been ruled against in court" that is good, I lost one, it's not fun but i'm with you I will never use a C.A.
Posted by mocha1482 on 2006-05-24:
Lidman, could you give me advice on what I can do to get them off my back? I lost my job 5 months ago and I am unable to pay the balance of $290.00. They received my last payment, but I am trying to hold on to my savings account. I am still currently unemployed.
Posted by Anonymous on 2006-05-24:
mocha1482 - Please, read this and then go to this sight, look under the heading "Drowning in debt?"
There is a lot you can do. Hope this helps.
Far too many people have the wrong idea about consumer debt. It's okay to have and use credit cards as long as you don't allow them to get out of hand and control you, but what choices do you have when that happens to you? When you owe money, there are really only four options available:
1. Pay Your Debt
2. Credit Counseling
3. Bankruptcy Protection (Now more difficult than ever)
4. Stop Paying and Walk Away (I don’t recommend you do this one, it will come back to bite you)

Posted by suckersuckersuckernotanymorer on 2010-03-29:
In november of 2009 I purchaded a camera with all intentions of trying it to see if I liked it. I tried it and of all things my mother got very bad off she was dying of cancer. I went to her and stayed for awhile. She got a little bit better. Then in January of 2010 she started getting worse. I went back to her house and stayed for weeks at a time to help my Dad take care of her. She stayed in South Carolina and I stayed in North Carolina so it was a lote on me. And of course I forgot about the camera and I was suppose to return it by the end of January I didn't. I remembered the camera when I returned home in February I told them what was going on and told them that I have always been a loyalt customer and would they please take the camera back because it was more camera than I needed. They continued to send me bills for the camera after I had returned it of course I called them and they said I had to pay for the camera because the return dept. said it was abused. Bull, it was not hurt I told the lady that I told the lady to return me the camera if I had to pay for it she said ok. She said that I didn,t write to the right people when I forgot to return the camera. I told her that I was going to pay for the camera that I didn't want but I would no longer be a customer of fingerhut and noone I knew would ether. The world is a sad place now.
Posted by PepperElf on 2010-03-29:
i believe the issue you're facing is that you tried to return an item you used/tried well over two months after you purchased it

the company is not really responsible for changes in financial status
Posted by Nick on 2014-04-23:
Pay your bill as your suppose to don't get mad because your makeing late payments
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Replacement of product was substandard
Posted by Suzzie on 02/07/2001
MINNESOTA -- I purchased a hewlett packard 672c deskjet printer from finger hut in 1999. I purchased their warranty also. This January My printer needed repair. The service center said it was economically non repairable as the repairs cost more than the product did now. The purchase price for the printer when I bought it was over 300.00 Including the 25.00 For the cable. The replacement I was sent cost less than the warranty. It was an off brand and did not match the quality of the hewlett packard printer I purchased. Their warranty states that at their discretion they will refund the purchase price or replace the product. They did neither. It is now February And I have lost considerable amount of business due to the fact that I did not have a printer. Little did I know I would receive a non acceptable printer. I have received nothing but the runaround and I now I have to purchase another printer. I feel like I was really taken. I told them I would complain on every consumer website I I could find and warn others not to purchase electronics from Fingerhut or their warranty.
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Posted by Dirtydave on 2006-05-19:
Finger Hut is known for selling junk. In the future I would recommend using a more reliable source for your office needs. Office Depot for one
Posted by BountyHuntress on 2006-07-04:
try getting hp products from hp-much better than fingerhut which sells crap
Posted by CrystalSword on 2007-07-23:
We buy NOTHING from Fingerhut, but if they want to waste money sending us catalogs, that's fine, I take our name off the catalogs and any order blanks from inside and shred them and pitch the catalog. At one time they were a good company, not anymore.
Posted by leopard on 2008-01-13:
does fingerhut still exist?
Posted by Anonymous on 2010-04-01:
I remember once Finger Hut sent me a catalog with a banner on it saying this would be my last catalog, so order now. Guess what? I didn't order anything and they kept coming.
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StarStarEmpty StarEmpty StarEmpty Star
Ashley Kitchen Table
Posted by Kel_15tinkerbell on 03/12/2013

I ordered the 5 piece oak kitchen table set by ASHLEY. When I first received it. The table top was completely damaged in the center so I called to complain to a Fingerhut representative. So they sent me another table top which was completely damaged on the corner. At this point I was extremely upset its ridiculous. So I know its not that hard to care for one item. So when I called the third time. I asked to speak to someone hire up. They transferred me to a supervisor who said he was sorry again for this mishap.

I presumed to express my feelings about the situation. But there was nothing he could do for me but send another table top which I would receive within 7 to 10 business days. 10 days later I called back because I still didn't receive my third table top. So the Fingerhut represenative I spoke with this time said that it showed the request for a table top in the system but for some reason it hadn't been sent out. So now after 1 month an a half of trying to be a completely satisfied customer. I am still waiting on my third table top.

(ABSOLUTELY REDICULOUS) I worked in shipping and receiving as well as retail. There are way to many U.S. citizens in this world in need of a good job. For these excuse me IGNORANT people that can't handle one order to take those job placements. What has this world come to?
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Shipping Charges
Posted by Fast on 01/30/2009
I just placed an order, and I have never seen such high shipping charges/taxes on any one ordering company; this is why I did not finish with my order; I could not believe the total on my order.
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Posted by Anonymous on 2009-01-30:
I am amazed Fingerhut is still around. Poor quality, high prices and super high S&H fee's. They are making a profit but I can't believe people are willing to pay the prices.
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Truth In Lending Laws-Violations
Posted by LAWHEAD on 05/23/2007
SAINT CLOUD, MICHIGAN -- This company been and has been in Violation of the Federal Truth in Lending Act. Which states that any company who lends on time payments and charges interest, must state on the product the interest rate, The full price, the amount of payments, which they do not, they only state it on the finance page. Which is now over 24%, and CIT banking is financing them. The F.D.I.C enforces this law.

Basically it comes down to this if you bought anything from them on time, you can cancel the contract, because of illegal violation of not reporting the full interest rates. The Interest rate must be printed under each item they sell advertising time payments. Every and All contracts on time is Voidable, due to Illegality, with the Fingerhut Operation.

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Posted by Anonymous on 2007-05-23:
Sorry you were taken by these guys. Fingerhut has been "sticking" it to people for a long time. I can't understand why they have not been fined. There are so many complaints about them everywhere.
Posted by Pomona Guy on 2007-05-23:
Are you a lawyer? If not, you shouldn't be giving legal advice.
Posted by LAWHEAD on 2007-05-23:
Look up the Act on the Internet! READ IT! Any Judge will find in your favor, if you could ever get the owners to Court. Try to contact Figerhut by Phone, all you get is Robots.

The Federal Truth in Lending Act, Enforced by the F.D.I.C. States that any business that sells products on time payments, must state the interest rates on each of those products. Fingerhut does not do that, in their catolog.

Violating the Truth in Lending Act, can make the sale viodable, leads to fines, and in some cases Jail. It is time a Class action suit, be brought against this Company. Before other companys do the same thing.

Who caused the Federal Truth in lending Act to become Law was SEARS. Sears used to advertise all their big ticket products with just so much a month, they didn't even show the price, and certainly not the interest rates. It was one big Con. They would show 15 dollars a month or 20, but no price or interest rates.

Example how they would sell Sewing machines to mainly Women. They first would set the woman down to a 1200 dollar sewing machine desk, and the lady would ask how much is this, the salesman would say 15 dollars a month, could you afford 15 dollars a month on your SRC (Sears Revoling Charge Card) oh yes I could, Then the salesman would say, would you like to trade in your old sewing machine, we will give you 40 dollars off, she would say yes. Now the desk came with a chair, but if they gave her 40 dollars for the old machine, they would take away the chair. They then would say when did you want delivery, never even asking her to buy the machine. When you go to Sears, they alway have 2 or 3 models, so they can bate and switch you. You certainly don't want the Air Conditioner that has one speed. All I can say is, "Let the Buyer Beware"!
Posted by bill on 2007-05-23:
I didn't know the Federal Deposit Insurance Corporation (F.D.I.C.) had the authority to enforce laws.
Posted by *Brenda* on 2007-05-23:
MCL 600.916: "A person shall not practice law or engage in the law business, shall not in any manner whatsoever lead others to believe that he or she is authorized to practice law or to engage in the law business, and shall not in any manner whatsoever represent or designate himself or herself as an attorney and counselor, attorney at law, or lawyer, unless the person is regularly licensed and authorized to practice law in this state. A person who violates this section is guilty of contempt of the supreme court and of the circuit court of the county in which the violation occurred, and upon conviction is punishable as provided by law. This section does not apply to a person who is duly licensed and authorized to practice law in another state while temporarily in this state and engaged in a particular matter."

So, ARE YOU A LAWYER Lawhead? Doubt it! I'd quit giving legal advice if I were you before it bites you in the butt. BTW, This is NOT legal advice. :-p
Posted by Starlord on 2007-05-23:
We used to be customers of Fingerhut some years ago. we finally got out of their clutches when they stated we had ordered a bunch of camping equipment and then didn't pay for it. I was, for all intents and purposes was an invalid, and there is no way we would have ordered camping equipment. As we knew how hard it is to disprove a negative, we paid the account off. I heard that Fingerhut had gone out of business, and had heard nothing from or about them until just recently, when we began getting catalogs from them aqain. The catalogs go immediately into file 13. We can buy the same stuff as Fingerhut offers for about 1/3 the price at our local Wal-Mart. We don't need Fingerhuts lousy service and usurious rates.
Posted by LAWHEAD on 2007-05-23:
Brenda READ IT!

General Information

The Truth in Lending Act and Advertising

The main purpose of the Truth in Lending Act is to assure the meaningful disclosure of consumer credit and lease terms, including those in advertisements, so that consumers can easily compare terms and shop wisely for credit.

Before passage of the Act, an advertiser might have used only the most attractive credit or lease terms, thus distorting the true cost of the credit or lease. For example, an advertisement might have read, "'63 Chevy, only $30 per month." Whether this is a bargain depends upon information missing from the advertisement, such as the downpayment and the number of payments. The ad also omits the annual percentage rate and does not state whether the transaction is a credit sale or a lease. The Act requires that the advertisement tell the whole story.

For example, if an advertisement contains any of a number of terms specified in the Act, then that advertisement must also include certain prescribed disclosures. In other words, the specified terms "trigger" the disclosures. If, on the other hand, the ad does not use "triggering" terms, it need not make the disclosures. The type of transaction you advertise—closed-end credit, open-end credit, or a consumer lease—determines whether a term is a "triggering term" and, if so, what disclosures are required.

If you, as an advertiser, are unclear about what type of plan is being advertised, or about any of the specific terms of the plan — including the annual percentage rate—you may want to contact the creditor directly to obtain this information. This may help ensure that the credit terms you advertise are accurate.

Who Must Comply

If you place an advertisement that promotes "consumer credit" or a "consumer lease" as defined in the Act, you must comply with the law. Thus, advertisers, not just creditors and lessors, must comply, including associations, manufacturers, real estate brokers, builders, and government agencies.

There is no liability under the Act for the media in which advertisements appear. The media can, however, protect their customers by screening advertisements to make sure that they comply with the law.

Oral Rate Disclosures

Certain rules apply only to creditors. If a consumer orally asks you, a creditor, about the cost of credit, you must state the annual percentage rate. For closed-end credit, you also may give a periodic or simple interest rate that is applied to an unpaid balance. For open-end credit, once you state the APR, you also may give the periodic rate.

If you cannot determine the annual percentage rate for the specific closed-end credit that the consumer asks you about, you may disclose instead the annual percentage rate in a sample transaction. You also may give other information that applies to the consumer's specific transaction, such as the contract interest rates and points.

Liability for Violations

If you fail to comply with the advertising requirements of the Act, you may be subject to law enforcement actions. Advertisers of consumer credit and consumer leases under the FTC's jurisdiction are subject to enforcement actions that could result in remedies such as:

Orders issued by the FTC to cease and desist from violating the Act. Subsequent violations of the FTC order may result in a civil penalty of up to $11,000 for each day the violation continues; or,
Injunctions issued by federal district courts against future violations. Violations of court-ordered injunctions may result in civil or criminal contempt proceedings.

If you are under the jurisdiction of a federal regulatory agency other than the FTC, you may wish to consult with that agency to determine your liability for placing a credit or lease advertisement that fails to comply with the law.

In addition, anyone actually harmed by a non-complying consumer lease advertisement may sue you for:

actual damages;
25% of the total amount of monthly payments under the lease (but not less than $100 nor more than $1,000); and
court costs and a reasonable attorney's fee.
Posted by *Brenda* on 2007-05-23:
yellowcanary, you have issues. I don't hate customers; I don't even work in retail.

Lawhead, YOU CAN'T POST LEGAL ADVICE WHEN YOU AREN'T A LAWYER. What part of that don't you understand? Furthermore, it is BAD legal advice.
Posted by poppapia on 2007-05-24:
The FDIC is one of several federal agencies that are responsible for enforcing monetary regulation; it depends on who is the primary regulator for a specific bank, which may, or may not, be the FDIC. However, an individual can not arbitrarily cancel a contract due to a TIL violation, but can seek legal relief from this obligation, which, in most cases, does not erase the debt, but merely cites and fines the lending institution.
Posted by LAWHEAD on 2007-05-24:
This case is now in the hands of the F.D.I.C.
Posted by *Brenda* on 2007-05-24:
yellowcanary, you say that to everyone. Plus you are the one calling me a "B*tch" and calling others pricks so I think you need to take a good look in the mirror before calling others rude.
Posted by Starlord on 2007-05-25:
Sorry, poppapia. Lawhead, the FDIC, or Federal Deposit Insurance Corporation has nothing at all that I am aware of in enforcing any laws concerning truth in lending. What the FDIC does is to insure monies deposited in bank accounts. The FDIC insures bank asccountsup to $100,000, so that if the bank, for some reason, were to fail, like back in the 30's, the FDIC will replace any monies in accounts up to $100,000. The FDIC couldn't care less about truth in lending or advertising or playing mumbly-peg.
Posted by poppapia on 2007-05-25:
starlord, you are wrong. The FDIC does have an enforcement division, which are responsible for financial institutions that have state charters.
Posted by breathoffreshair on 2007-06-20:
okay well, this post started with a nasty description of law.
1.) lawhead, brenda is right, your not a lawyer don't post legal stuff.
2.) you interpretation of the law is clearly from a consumer perspective, and not from the perspective of a government with free market.

Fingerhut does not have to plast each page of the catalog with their interest rates. When opening the account you agree to the terms and conditions of the acct.

if they were in violation there would be much larger fish to fry. .

do you walk into macy's and see the interest rate on all merchandise? no.

fact is, fingerhut credit isn't the only way tto shop, and once you agree to the terms and conditions of the acct that's it. . .it's not like they don't tell you.

so shut up, your annoying.
Posted by breathoffreshair on 2007-06-29:
p.s. I got a hold of one of the fingerhut catalogs. . . after every price and product description is an asterix, the asterix at the bottom of the page then tells you to turn to another page, which starts talking about the terms and conditions, and finished on another page ( also referred). . .so what it looks like to me mr. lawhead, is maybe you should try to get the head first and do the research before you do the legal side of it and finally- don't even come back with making a comment that it is hardto find all that information- you're and i am and we are all the consumers, consumers have responsibilities too. . . not just the business.
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StarEmpty StarEmpty StarEmpty StarEmpty Star
Horrible Customer Service! Fraudulent Payment Methods!
Posted by Monicar3 on 07/12/2013
ST CLOUD, MINNESOTA -- 7-11-2013
To Whom It May Concern,
On 7-8-2013, I received a call from customer service regarding my July payment. I explained that I never received the statement, but I will go online to process a payment. Customer service representative did inform me that there was a late fee of $13.99; she said that she could waive the late fee as a one-time courtesy IF I made the payment with her. I told her that I prefer to enter the payment online to avoid any mistakes. She said if I made the payment online, she would not waive the late fee.
I gave her my credit card information and authorized a payment of $13.99. As I waited for the payment conformation number, I logged into my FingerHut account. I checked the FingerHut payment history, noticed a charge of $26.98. I told her she charged the wrong amount. She said the correct amount will reflect in about 2-4 hours. Four hours later, I checked my account and the dollar amount did not change.

I called customer service again, explained the problem to customer service representative, she said she will reverse the $26.98 charge and charge the correct amount of $13.99. I was fine with that. I gave her my credit card number, as she was about the process the payment she informed me that there is a $5.00 processing fee. I told her to stop. I was never told about a processing fee. She said she will waive the $5.00 fee. I thanked her for waiving the fee. She said the $26.98 will be credit back to my US Bank credit card within a couple of days.

On 7-11-13, I checked my US Bank account; I saw the $26.98 charge had not been reversed. I called customer service.
1st call at 10:06 am spoke to Pamela G – After explaining the problem and requesting to speak to a supervisor - Customer service representative hung up.
2nd call at 10:09 am spoke to Marsha – Told her I wanted to speak to a supervisor, she refused to transfer the call and customer service representative hung up on me.
3rd call at 12:13 pm - Spoke to customer service representative (didn’t get her name), explained the issue and told her I wanted to speak to a supervisor. Waited for about 5 min, spoke to Even (Supervisor), told him the problem, he checked the account and didn’t understand why the $26.98 charge was not reversed. He transferred me to another supervisor.

Waited about 10 min, Kimberly (Supervisor) told me that FingerHut does not credit bank cards and will not credit my US Bank card BUT she will gladly apply the $26.98 payment towards my August’s payment. I asked her, if this is the policy why didn’t the other customer service representatives tell me? I spoke to 3 customer service representatives and 1 supervisor and I was never told. I told her that I am not satisfied with that. I was told by the customer service representative on the 8th that the $26.98 payment will be reversed and my US Bank credit card will be credited. She told me to call my bank, that there is nothing she will do. At this point I told her she has very poor customer service skills, unprofessional and her attitude is awful.
I called my bank, told them the problem, they were very professional, understanding and they reversed the charges.

Because of FingerHut’s horrible customer service and straight out lies, I called to request a return packing slip. Since I never used the items I ordered, I will return them and happily close my account.

I doubt that anything will come of this complaint letter, but I very happy that I will NEVER do business with a company that treats its customers this way.
For me to take time out of my busy schedule to write a complaint letter should say enough! I’m sure most people would just blow it off and continue on, but not me!
I call it like I see it.

For the most part, FingerHut has horrible customer service representatives and atrocious supervisors who don’t know what they are doing.
I strongly suggest re-train your representatives.

Unhappy, never to shop at FingerHut again customer!

Monica R
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Place an order
Posted by Oldman1real on 11/29/2009
They need to hire people that clearly speak and understand the English language as it is spoken in the USA. I had to go thru several calls to finally place an order. Now I remember why I don't order very often. If I have to repeat myself several times this is ludicrous and unnecessary I speak often I public so I do think I'm plainly understood.
Why must this company hire people unfamiliar with the English language. We have several unemployed in
this country that would to have work at Christmas
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Posted by Anonymous on 2009-11-29:
That would be too much of a salary expense for them.
Posted by Ponie on 2009-11-29:
I'm not much for phone orders. Too much can be misunderstood. Letters have similar sounds when spoken. For instance, my first name begins with 'D.' When spelling it over the phone, I usually say: 'D, like in Donald.' I'm sure that's how I got on a mailing list that has been distributed for several years. I get loads of junk mail for 'Mr. Donald XXXXX.'
Doesn't Fingerhut have a website from which you can order? Since you have access to the Internet, why not go that way?
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