Complaint Review: RJM Acquisitions Funding Fingerhut

I received a notice from RJM Acquisitions on March 28, 2005 stating: "We are your new creditor", and that I owed them $177.14 for a debt that had not been paid on since January 20, 1998.

When I called the 800 number, they told me that it was for an electric blanket bought for $129 and sent to a California address. (I live in Alabama and have NEVER lived in California.)

I immediately bought a copy of my credit report (TransUnion because the man told me their account would not show up on an Experian report - he didn't tell me why!). I did have an old Fingerhut account, but it wasn't opened until 1999 and it was closed - SATISFACTORILY - in 2001. Also on my report, I saw where this company (RJM) had requested a copy of my report earlier this month.

I contacted RJM again with my report in hand and told them I refused to pay - that the account was not valid, and he told me that everything was taken care of and my account was closed.

Bottom line - DON'T PAY THESE PEOPLE ANYTHING without first checking into it!!! They appear to be crooks with access to credit reports.

Jenny
Birmingham, Alabama
U.S.A.