Fingerhut

I firstly applied for Fingerhut fresh start in November 2021 and got approved, following that I got a notification that my credit score had dropped as I recall between 50 and 65 points so I checked into it and saw that my Fingerhut FreshStart account has been closed and this was the reason for the credit score drop being as I had no idea what was going on and the fact that I was pissed about my credit score dropping I called Fingerhut and was told by the representative that they were unsure what was going on, that it would be fixed and I could continue using my Fingerhut account as usual for purchases. Following that about a week later I got a notification that I had a new open account on my credit report.

After checking more closely on my credit report, I saw that I had a Fingerhut advantage account opened and it was being reported to my credit report. Fingerhut decided that they would close my FreshStart account and open an advantage account. I immediately called them, and they tried to make it about giving me a credit increase, and that I could shop for more items, I told them that I did not authorize this. I did not want it nor do I want this in the future to ever happen to me again, and of course mentioned how upset I was about my credit score being as I was trying to get a loan for a house purchase .

In less than 30 days, I got a telephone call from a lender I had spoke with earlier in the day and told him I suspected my credit score was this number and during the call, he informed me that my credit score was 60 to 70 points less than what I had told him earlier in the day, boy, or a boy talk about being embarrassed and pissed off at the same time!

I immediately called Fingerhut once again, because without my permission, knowledge or consent, they decided to close the Fingerhut advantage account, causing my credit to be negatively affected, and within days opened a third account in my name, called Fingerhut Fetti, and once again tried to play it off, as if somehow, it was an advantage for me. Needless to say it is not cool and I do believe its against the law for them to open accounts in someones name without their permission, when I called them, they said they had changed funding source and I told them that gives you no right to just play with peoples lives, I never received any type of notification any of the times they did this it is completely ridiculous because somewhere in there they lost a payment so they are reporting it as a missed payment on my credit report I have one derogatory mark on my credit report and its Fingerhut saying that I missed a payment from them and yes I have proof of the payment however, we all know how it goes.

They just continue to pass me around from person to person I have even disputed it with the credit reporting company and it hasnt changed anything. It is ridiculous the control that these types of issues can have over your life and mental health.