I have been receiving letter from RJM Acquisition and JBC Legal Group stating that I owe Fingerhut $384, and that I refuse to pay them. Damn right I refuse to pay them! I only ever made one purchase from Fingerhut, many, many moons ago (probably somewhere between 10-15 years ago), I had to wack my brain about it, then remembered that we had purchased some bedding for $59, and when we had received it, thought that it was of very poor quality, and sent it back. Fingerhut credited us our money back, and we never did business with them again. It was the first and only time we ever dealt with Fingerhut. So far I have received three letters from them wanting to pay this Fingerhut account, as well as another letter wanting me to pay some large amount of money to CVS drugstore.
When I had received the CVS letter, I knew immediately something was wrong, as I did not live in the vicinity of a CVS for more than seven years. That letter came in 2003. I called these jerks on the telephone, and decided to ask them what the hell this was all about. They told me that I had a returned check to CVS from 1994. They had wanted $157 or something like that. Told me which bank the check was written on, etc. As much as I hated to burst their bubble that day, I still had all of these cancelled checks, and this check in particular. The check which was originally for $13.05 was sent to my bank, returned for NSF, I was hit with $20 returned check fee from my bank, and was charged $15 by CVS at the time. The check was later redepositied and paid. They were trying to collect $157 in intrest on the returned check fee!
Being a savvy consumer, and seeing how I was dealing with a company who was still in business, I called CVS' headquarters. I told them how I was contacted by this company about a returned check. CVS said that they do not do business with either of these companies, that Telecheck handles all paper checks going through them, that they do not have me as owing them anything nor do they have me listed as passing them a bad check ever, and to call Telecheck. Telecheck also confirmed that I did not have any bad checks floating around, from 1994 or otherwise.
Because I have refused to pay these people for bogus accounts whom I do not owe money to, both the Fingerhut claim and the returned check fee claim are showing up on my credit report. RJM and JBC both claim that they are not collection agencies. If they are not collection agencies, and they are not my creditors, how are they allowed to put this garbage on my credit report?
I have contacted the FTC, the Better Business Bureau, and the Attorney General in both Virginia and Connecticut (since I moved and this crap is following me) letting them know of the business practices of these two companies. The Fingerhut one does not even have an account number on it, the check one had my bank account # as the account number. I am glad that bank account has long since been closed. Trying to get this removed off your credit report is like pulling teeth, and when are these crooks going to be put out of business?
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