- Report: #28903
Complaint Review: Fingerhut (Axsys National Bank) - Sioux Falls South Dakota
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Author Not Confirmed
Why?
Fingerhut (Axsys National Bank)
PO Box 5033 Sioux Falls, 57117--5033 South Dakota, U.S.A.
Phone:
800-900-4111
Web:
N/A
Categories:
Business Rating:
(0)
Tell us has your experience with this business or person been good?
Fingerhut & Axsys National Bank is a consumer fraud ripoff. Sioux Falls, South Dakota
I have been a customer of Fingerhut for over 10 years. I have not had a single problem with this company until about six months ago.
History: I was laid off my job last fall and even though money was tight, I made my monthly payments more than the minimum payment due (anywhere from $20-$30). My balance is about $250. I have very recently gone back to work but my yearly salary is less than half of what I was making at my former job, meaning that my financial situation will not change that much.
I have received, on two occasions, phone calls from the collection dept. indicating that I was overdue on making my payment for that particular month. Even though I was a few days late, I never missed a month. The rep was less than courteous, making me appear a deadbeat.
I explained that I was unemployed and that I was a long-time customer and that I WILL pay the monthly bill, but that I was having some financial difficulty. I was emphatically told to send money right away and that a late fee would be assessed on my next bill. I tried to be polite and explain AGAIN my situation, but to no avail.
I received the second call just today concerning a slightly different issue. I was told that even though I DID send in my monthly payment of $20, I was $3.90 short of the minimum payment and that I would be assessed a late fee of $25. I told the rep that he could assess a fee all he wanted, but that I was NOT paying ANY late fees because I kept the company informed of my financial situation along with keeping up with my payments.
Years ago even if I was a lot late in sending in a payment, I
never received any threatening phone calls.
My bottom line is this: As soon as I get this company paid off, I will never be a customer of Fingerhut again and I will tell anybody who will listen just what a scamming, scheming, wrong-doing, greedy, rip-off company Fingerhut truly is! In addition to dunning a good customer, their interest rate is totally ridiculous at 29.90% APR.
Sincerely,
Disgruntled current customer,
and future former customer
Sharon
Ellijay, Georgia
History: I was laid off my job last fall and even though money was tight, I made my monthly payments more than the minimum payment due (anywhere from $20-$30). My balance is about $250. I have very recently gone back to work but my yearly salary is less than half of what I was making at my former job, meaning that my financial situation will not change that much.
I have received, on two occasions, phone calls from the collection dept. indicating that I was overdue on making my payment for that particular month. Even though I was a few days late, I never missed a month. The rep was less than courteous, making me appear a deadbeat.
I explained that I was unemployed and that I was a long-time customer and that I WILL pay the monthly bill, but that I was having some financial difficulty. I was emphatically told to send money right away and that a late fee would be assessed on my next bill. I tried to be polite and explain AGAIN my situation, but to no avail.
I received the second call just today concerning a slightly different issue. I was told that even though I DID send in my monthly payment of $20, I was $3.90 short of the minimum payment and that I would be assessed a late fee of $25. I told the rep that he could assess a fee all he wanted, but that I was NOT paying ANY late fees because I kept the company informed of my financial situation along with keeping up with my payments.
Years ago even if I was a lot late in sending in a payment, I
never received any threatening phone calls.
My bottom line is this: As soon as I get this company paid off, I will never be a customer of Fingerhut again and I will tell anybody who will listen just what a scamming, scheming, wrong-doing, greedy, rip-off company Fingerhut truly is! In addition to dunning a good customer, their interest rate is totally ridiculous at 29.90% APR.
Sincerely,
Disgruntled current customer,
and future former customer
Sharon
Ellijay, Georgia
1 Updates & Rebuttals
Bonnie
Hanceville,Alabama,
U.S.A.
Never sent me a letter
#2Consumer Comment
Thu, June 26, 2003
This Axsys Bank Never sent me a letter stating what I owed. All of a sudden out of nowhere NCO Financial systems is calling with this 400 dollar bill. NCO was willing to take a settlement of 291. I have been working on my credit report. Now all of a sudden there is this charge off from Axsys bank ! I am upset. I will pay my part, and quickly, but to add charge - off to my report, is not right, without notification. !!!
