Complaint Review: Axsys National Bank and Fingerhut - St Cloud Minnesota

Fingerhut is out of business and likely gone for good. It used to be owned by Federated Department Stores however due to some bizzar situations it is now headed for bankruptcy. Do fight this issue. They are criminally libal if they continue this route. The child's furture credit has already been damaged. Do place a written fraud alert with each credit reporting agency. The next thing to do is also file police report and this may be a bit hard for the family to do but a necessary part of this issue and that is to have charges filed against the mother and have warrants issued for her arrest. Once the investigation is completed the mother will have to face the music.

Fingerhut-Axsys is a mail order catolog , meaning like many others, the catalog is delivered by the mail. Many mail order catologs exept the fact that " MINORS " may remove ORDER FORMS, and fill them out and send them in the mail. Many will immediatly cancel the account created by the MINOR, and will credit the account as owing $ .00 dallars, once you contact them and let them know a MINOR sent it in. Also,the second rebuttle is correct also,in that upon complaining to all ( 3 ) major credit reporting agencies,Fingerhut- axsys, must verify the information correctly,or they can be CIVILY SUED in COURT. AND AN IDIOT WITH HALF A BRAIN KNOWS A MINOR CAN-NOT GET CREDIT. But Fingerhut ( ripoff ) ( fraudulant practices ) ( LAW BREAKERS ) ARE WILLFULL IDIOTS , that are ALLOWED to do this to the PUBLIC, which is PATHETIC !!

Fingerhut-Axsys is a mail order catolog , meaning like many others, the catalog is delivered by the mail. Many mail order catologs exept the fact that " MINORS " may remove ORDER FORMS, and fill them out and send them in the mail. Many will immediatly cancel the account created by the MINOR, and will credit the account as owing $ .00 dallars, once you contact them and let them know a MINOR sent it in. Also,the second rebuttle is correct also,in that upon complaining to all ( 3 ) major credit reporting agencies,Fingerhut- axsys, must verify the information correctly,or they can be CIVILY SUED in COURT. AND AN IDIOT WITH HALF A BRAIN KNOWS A MINOR CAN-NOT GET CREDIT. But Fingerhut ( ripoff ) ( fraudulant practices ) ( LAW BREAKERS ) ARE WILLFULL IDIOTS , that are ALLOWED to do this to the PUBLIC, which is PATHETIC !!

Fingerhut-Axsys is a mail order catolog , meaning like many others, the catalog is delivered by the mail. Many mail order catologs exept the fact that " MINORS " may remove ORDER FORMS, and fill them out and send them in the mail. Many will immediatly cancel the account created by the MINOR, and will credit the account as owing $ .00 dallars, once you contact them and let them know a MINOR sent it in. Also,the second rebuttle is correct also,in that upon complaining to all ( 3 ) major credit reporting agencies,Fingerhut- axsys, must verify the information correctly,or they can be CIVILY SUED in COURT. AND AN IDIOT WITH HALF A BRAIN KNOWS A MINOR CAN-NOT GET CREDIT. But Fingerhut ( ripoff ) ( fraudulant practices ) ( LAW BREAKERS ) ARE WILLFULL IDIOTS , that are ALLOWED to do this to the PUBLIC, which is PATHETIC !!

Fingerhut-Axsys is a mail order catolog , meaning like many others, the catalog is delivered by the mail. Many mail order catologs exept the fact that " MINORS " may remove ORDER FORMS, and fill them out and send them in the mail. Many will immediatly cancel the account created by the MINOR, and will credit the account as owing $ .00 dallars, once you contact them and let them know a MINOR sent it in. Also,the second rebuttle is correct also,in that upon complaining to all ( 3 ) major credit reporting agencies,Fingerhut- axsys, must verify the information correctly,or they can be CIVILY SUED in COURT. AND AN IDIOT WITH HALF A BRAIN KNOWS A MINOR CAN-NOT GET CREDIT. But Fingerhut ( ripoff ) ( fraudulant practices ) ( LAW BREAKERS ) ARE WILLFULL IDIOTS , that are ALLOWED to do this to the PUBLIC, which is PATHETIC !!

First, it is legally impossible for anyone under 18 to enter into any form of contract meaning that any agreement or document supposedly entered into by the minor is invalid. Second, you can have the credit bureaus fight this one for you. Notify all 3 credit bureaus that Fingerhut is reporting credit information about a minor. You will have to do it in writing and in your letter explain all the details plus provide copies of documents supporting the fact that he/she is a minor (i.e., copy of birth certificate). The law states that once you dispute information on your credit report, the credit bureau must investigate and the reporting company must prove with documentation that the information is correct and valid. If they do not, the bureau must remove the information. In other words, the burden of proof falls on the reporting company not the consumer. In this instance, I don't know how Fingerhut can substantiate their claims that a minor verified by their SS#, name and address entered into a credit agreement. Also, if the reporting company fails to respond to the dispute, the information must be removed. I would also advise Fingerhut, in writing, that you will sue them for fraud, harassment, corrupting a minor, etc., if they continue to contact you regarding this fraudulent account and that they have violated the fair debt collection laws by speaking with a minor child. To prevent this in the future, do not allow this minor to answer the phone for a while until this is cleared up. Although it won't happen, if the information were to stay on the minor's credit report, it only stays for a maximum of 7 years. Plus when he/she does try to obtain credit in the fture, any loan officer with half a brain will realize that the date of the supposed debt was before the legal age.

First, it is legally impossible for anyone under 18 to enter into any form of contract meaning that any agreement or document supposedly entered into by the minor is invalid. Second, you can have the credit bureaus fight this one for you. Notify all 3 credit bureaus that Fingerhut is reporting credit information about a minor. You will have to do it in writing and in your letter explain all the details plus provide copies of documents supporting the fact that he/she is a minor (i.e., copy of birth certificate). The law states that once you dispute information on your credit report, the credit bureau must investigate and the reporting company must prove with documentation that the information is correct and valid. If they do not, the bureau must remove the information. In other words, the burden of proof falls on the reporting company not the consumer. In this instance, I don't know how Fingerhut can substantiate their claims that a minor verified by their SS#, name and address entered into a credit agreement. Also, if the reporting company fails to respond to the dispute, the information must be removed. I would also advise Fingerhut, in writing, that you will sue them for fraud, harassment, corrupting a minor, etc., if they continue to contact you regarding this fraudulent account and that they have violated the fair debt collection laws by speaking with a minor child. To prevent this in the future, do not allow this minor to answer the phone for a while until this is cleared up. Although it won't happen, if the information were to stay on the minor's credit report, it only stays for a maximum of 7 years. Plus when he/she does try to obtain credit in the fture, any loan officer with half a brain will realize that the date of the supposed debt was before the legal age.

First, it is legally impossible for anyone under 18 to enter into any form of contract meaning that any agreement or document supposedly entered into by the minor is invalid. Second, you can have the credit bureaus fight this one for you. Notify all 3 credit bureaus that Fingerhut is reporting credit information about a minor. You will have to do it in writing and in your letter explain all the details plus provide copies of documents supporting the fact that he/she is a minor (i.e., copy of birth certificate). The law states that once you dispute information on your credit report, the credit bureau must investigate and the reporting company must prove with documentation that the information is correct and valid. If they do not, the bureau must remove the information. In other words, the burden of proof falls on the reporting company not the consumer. In this instance, I don't know how Fingerhut can substantiate their claims that a minor verified by their SS#, name and address entered into a credit agreement. Also, if the reporting company fails to respond to the dispute, the information must be removed. I would also advise Fingerhut, in writing, that you will sue them for fraud, harassment, corrupting a minor, etc., if they continue to contact you regarding this fraudulent account and that they have violated the fair debt collection laws by speaking with a minor child. To prevent this in the future, do not allow this minor to answer the phone for a while until this is cleared up. Although it won't happen, if the information were to stay on the minor's credit report, it only stays for a maximum of 7 years. Plus when he/she does try to obtain credit in the fture, any loan officer with half a brain will realize that the date of the supposed debt was before the legal age.

#1)Call your Local ATTORNEY GENERALS OFFICE FOR A COMPLAINT FORM,once received fill in ALL details and sent the COMPLAINT with ( copies only ) of all Relevent Documents and contact to and from Fingerhut-Asxys.( be sure to verifiy your grandaughters AGE ) - she can-not leagally enter into a contract agreement. #2)Contact The federal information Center,and ask for copies of FCRA ( fair credit reporting act ) and FDCPA ( Fair Debt Collection Practices Act ). They are regulated bt the FTC ( Federal Trade Commission ) www.ftc.gov or call a toll free number. 3#) The bills from axsys should have the kind of Bank it is NA. is national and others are State regulated.Find out What agency oversees Asxys Bank and Complain to them ,the same way as you complain to Attorney Generals-consumer affairs office. Make sure you keep ATTORNEY GENERALS OFFICE UP TO DATE. NOTE: once you have subbmitted your Complaints , let the AGENCIES CORRESPOND WITH FINGERHUT ASxys. #4) There are accually CIVIL SUITE REMADIES ( court action ) whereas fingerhut and axsys could be sued from Willingly filing false reports to CRAs ( Credit Reporting Agencies ). A Note: to that fact may stop them from harrassing you and turning it over to collection agency,whereas you may have an easier time of resolving these issues,because FINGERHUT and Axsys ARE UNRELENTLESS, I'm sure you Know. You need help from a Consumer Agency such as Attorney Generals. NOTE: MAKE IT PERFECTLY CLEAR,THAT YOUR GRANDAUGHTER IS A MINOR