I ordered an electric train from Fingerhut for Christmas 1997. I received the train but it wasn't anything like the one pictured in the catalog. I sent the train back with a Return Receipt for Merchandise.
The original train was $89.00. I have a signed return for Merchandise receipt which shows that the merchandise was received back by Fingerhut on 1/15/1998. This was well within the 30 day return limit since the original shipment was received on 12/28/1997.3 days after Christmas.
I got my first collection agency notice in December 1999. At that time they claimed I owed 147.34 for the Train set that I returned. I wrote to the collection agency explaining that the merchandise was returned and provided them with a copy of the return receipt for merchandise. I figured that would take care of the problem. WRONG!!!
Every year or so I get a new collection letter from a different collection agency. So far there have been 5 different collection companies. The Northland Group and RJM Acquistions Law Offices Of Mitchell N. Kay RJM Acquistions were the latest to contact me. This account has resulted in 5 different reports on my credit reports each for a different amount. The latest amount was $398.78. If anyone starts a class action suit against these people please let me know I will join in gladly.
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