Complaint Review: Fingerhut Credit Advantage

I was trying to purchase my first home, when the agent ran my credit score to get me a loan, my credit report came back very poor to my dismay. In the list of creditors was this company called Fingerhut Credit Advantage.

Not knowing who this company was I was quite puzzled I tried to call them and never got anywhere then finally I found a number I could call, I talked with a represenative 1 year ago today told them I didn't know why they were on my credit report and wanted them to take it off, they told me. "You signed up for our Credit Advantage Program, and you were issued a Credit Advantage Card". (I had received a card in their description however do not know anything about them so I simply cut up the card and tossed it.)

They then told me by receiving the card and ordering the card I had then submitted my approval for the monthly fee for having the card. I told the represenative that I never requested the card nor do I want the d**n thing, She told me "Well our records indicate that you did".

I asked her look at the supposed account, Did I ever make a purchase with the card? She said "no" I said then why the hell would I ask for a card that charges me a monthly fee that I never used? She said: "people are dumb like that". I was like What the F&%# does that mean??? She hung up?? Why do companies get to do this to people and why do we let them?

To date I still have the d**n thing on my credit report but the amount is now down to $112.00 so I guess I just have to pay it off to get rid of it, The ammount was over $985.00 a year ago!

Michael
Corona, California
U.S.A.