Russell F.

Have you ever received a notice from a debt collection agency? If so, you know that it contains language similar to this:

"This is an attempt to collect a debt. Any information obtained will be used for that purpose.

As required by law, you are hereby notified that a negative credit report reflecting on your credit record may be submitted to a credit reporting agency if you fail to fulfill the terms of your credit obligations."

Normally, you don't receive notices like that unless you have defaulted on your debt, and the debt is handed over to a debt collection agency. Fingerhut, however, will send you this threat before your payment is even due! As a person who takes great pride in paying my bills in full and on time, every time, I don't appreciate being treated like a debt-dodger by a company that is obviously paranoid about not getting paid.

I e-mailed them to complain about this, but they haven't replied to me. I won't be buying anything else from them because of this issue.