Sometime in 1998 and 1999 I filled out a credit application to establish an account with Fingerhut National Bank. Shortly thereafter I received a letter from Fingerhut stating that they checked my credit report, and was unable to grant my request for an account. The letter clearly indicated the credit reporting agency that Fingerhut used (Experian) and said to inquire with the credit bureau to get a copy of my credit file. I then sent a letter to Experian, received a copy of my credit file and was able to address the recent delinquent account that was on my credit report.
From what I thought - my dealings with Fingerhut National Bank were over...
Sometime in RJM Acquisitions placed an account on my credit file for an outstanding account with Fingerhut for $107. The last date of activity was in 2002 (keep in mind that I received the credit denial letter sometime in 1999). So I drove myself crazy wondering what on Earth they were talking about until one day while cleaning out old boxes from college, I found a copy of my faxed letter to Experian asking them to send me a copy of my credit file. Although I couldn't find the initial letter from Fingerhut, it came back to me that Fingerhut DENIED me credit YEARS ago... And here RJM Acquisitions is claiming that I actually OWE them money!
Obviously my credit profile is accurate, which means that my address is correct and if RJM Acquisitions was truly trying to collect on a debt, they would have sent me a collection letter of some sort by now. But guess what - they have not! After seeing how many of you have had similar issues, it makes sense that the best way to back a previous customer, or potential custmer, in the corner is to place the item on the credit report and then force them to either pay it or go through the hassle of disputing the bill with the credit bureaus. Even in those instances, the credit bureaus only ask the creditor to validate the debt and if they say "Yes", that's pretty much the extent of their dispute process.
In my situation, I am moving forward with a mortgage proceeding, and I have NO CHOICE but to pay this amount if I want to satisfy the deadline provisions in my Offer to Purchase contract. I do not, however, want to pay them one "red" cent, but time is truly not on my side. I believe that there are FAR more people who pay these low amounts of money just to be done with the headache, when in fact the debt is not valid or accurate.
You do the math - let's say, you take 1000 customers a month from the millions of Fingerhut National Bank customers and fraudently claim that they owe $125 each, and HALF of them pay - that $500 multiplied by $125 each totaling $62,500 a month!!! Now if THAT'S not a scam - I don't know what is!!!
If there is anyone out there who is willing to join a class action suit against rjm acquisitions/fingerhut for any fraudulent claims, please contact me through the rebuttal key between all of us, we can gather enough support to really shake up rjm & fingerhut!
Thanks!
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