Fingerhut Reviews 

I been a customer for a long time and always on time on my payments and pay in full until I make a purchase . Well it come to mind that on 10/25/2025 I got a notification they close my account.i was surprised they did that never got a letter just only saying I got increase credit. I always order starting in November for Christmas. When I got that notification it made me feel I did something wrong I thought company’s like customers continue buying things when they need to but not everyday . I got dinged on my credit score because of them I was very disappointed and never thought Fingerhut Fetti was like that never again trust them they lost a customer for good I give them a 1 Star poor judgment in their part .

Shady company till the very end. Credit score damage. Lawsuit pending

The company decided to close without notifying current customers or providing any information on their website. Now they’re only trying to sell “Clearance” items, again with no explanation to consumers. The prices were extremely high because they prey on people with poor credit. I did read there’s at least one class action lawsuit against them.

fingerhut is a rip off. GO walmart or amazon they charge to much for this junk that don't last .save your money because you get nowhere but in debt. It should be illegal.They was supposed to credit me for a kitchen table instead they sent me another one and charged me, I have one kitchen don't do it. And always get someone on phone with little english.so freaking annoyed.

If I could give Fingerhut a zero rating, I would I bought a Bissell vacuum from them four months and the roller brush stopped working. I bought another Bissell from them thinking it was just a fluke no the second Bisso, vacuum exact vacuum had the same problem. But would not reimburse me for both even though they had the same problem.. peace of sh!t company that rips you off on low quality items. Never order from them. Failure that will never happen again.

No stars! Bought a couple of things from Fingerhut and returned them! This was a year ago and they never gave me credit for the items I returned and they are still trying to charge me to this day! Whatever you do don’t buy from these clowns they even went as far as to put a bad mark on my credit! Tried to call customer service 4 times and all of them acted with so much ignorance!

HORRIBLE.

Closed my account for the 'fraudulent' activity of not using the card a year ago, then refused to re open or even tell me what happened or why, or assist me in any way other than repeating the same asinine bs.

Customer service first rep hung up on me. Love to keep saying the word fraudulent as if its a great way to insult someone.

Terrible. Go to Walmart or literally anywhere else!!

Do not purchase credit protection on your fingerhut account they do not pay your account off no matter how many documents you send. Also their products are cheap and poor quality. I had to apply for hardship and safeline NEVER PAID. THEY RIPPED ME OFF. I AM NEVER BUYING ANYTHING FROM FINGERHUT AGAIN.

I had an account and Fingerhut said I didn't pay a payment yet I had ! A collection agency contacted me and I submitted proof of payment and I disputed it but the collection agency didn't help me in a good way either as I thought they would,it hurt my credit score and even the credit Union that released my payment to Fingerhut used them as a reason not to give me another loan with them. I wasn't able to get help I deserved. Later I ordered from Fingerhut again but I paid in full for my item. So today I decided to build my credit and see if I could trust them the call went out then I recall and a lady,( May )said they were not issuing new lines of credit! I asked why and she said it was a business decision and she is a customer service representative. Well I wonder if she falsified to me or if she was a scammer because I couldn't get signed into my account originally and then this odd information.

Very dishonest company. Stay away at all cost

I’ve maintained a Fingerhut account for several years, primarily to support my FICO score through a consistent credit line—currently set at $1,500, which hasn't changed despite my long-standing history with the company. While I rarely keep any of the merchandise I order, I intentionally make occasional purchases just to avoid having the account closed, as the company threatens to do if there's no activity within a few months. After ordering, I promptly return the item to maintain the account status without actually keeping their products.

From my experience, Fingerhut sells mostly outdated, discontinued, or closeout merchandise—items that wouldn’t meet the standards of most mainstream or up-to-date retailers. Their catalog and online store seem geared toward unloading low-quality inventory. I’ve bought a mattress and a pillow, both of which were disappointing in quality and comfort.

Fingerhut seems to target lower-income consumers by offering credit accounts with low minimum payments, which make purchases seem affordable upfront. However, the real cost lies in the high-interest rates and inflated product pricing, making many items far more expensive than they would be elsewhere. It’s a model that preys on financial vulnerability, encouraging people to buy low-quality goods on credit while paying more in the long run.

Just so others are aware that if you return an item for what ever reason you will be charged a ridiculous amount for its return. I returned an item for 133.00 and the charged me $47.00. They called it shipping charges. Never again.

I ordered five items but was only sent 4. I filled out their "I did not receive my item" form and emailed it to them. Totally useless. Their "customer service" told me to file out a police report and "provide police officer's name and badge number". Police reports are for crimes and no items were stolen and no items were lost. This company failed to send me an item I ordered and there's no getting through to these dopes. So now I'm being charged for something I was never sent. Seems beyond unethical.

I have been with Fingerhut for many years ever since the late 70s I never had a problem with them and what I like best is they were the first ones to help me build up my credit when I first started out with them I had none, as long as you keep up with the monthly payments your credit score will build and the secert is not to go over board when you purchase something from them, stay within your budget at what you can afford in way of monthly payments. I learn through Fingerhut how to stayed within my budget limit. Many of their products are top notch, although accasionially something might be off with the item I had bought and of course I had the not so fun at returning the item, any money I had put into the item that I had returned was refunded. The last item I had bought from them was a HP LapTop and hadn't had any problems with it, came to me in one solid piece, nothing cracked or broken, well package, if I remember correctly the laptop was a direct delievery from HP itself. Other items I had bought over the years was a Office chair, not just one but two of them, they lasted for many years wihout any problems, I also bought a pair of Dinning room chairs, Love those, and still have them yet. they were a pain to slap together however, but they were worth it afterwards. I have refer many of my friends and family to Fingerhut off and on over the years, and they also love Fingerhut.

I've been with Fingerhut for about a year now and they help me out with stuff that I need that I couldn't afford and it also helps rebuild my credit they started me out with an entry level $300 and I just buy little purchases and rebuild my credit I think they're a great company my mother used them and I think anything that she uses is good so if you want to rebuild your credit check out Fingerhut and it's kind of like a layaway you know you can buy products and get them cheaper you pay monthly payments it's a great way to be able to afford things that you know you can't buy right off the bat

I've never had a problem with Fingerhut's service or product quality, and I've been with them for years. My credit took a huge hit during my divorce and thanks to Fingerhut I was able to improve on it. They do mark up their stuff quite a bit, and their in store credit account doesn't have the greatest interest rate, but there are worse options for high risk credit.

Absolutely horrible! Customer service is total crap. Ordered items that were delivered to the wrong address. We have never received the items but they will not work with us or stop charging. We are now on the hook for several hundred dollars for items we have never gotten. Avoid entirely!!!!!

They opened up ANOTHER account, supposedly, yet the amount owed is literally a few dollars difference. And they opened it WITHOUT MY KNOWLEDGE OR CONSENT. I think that's THEFT of SERVICE

Shipping was fast, product is excellent! These sheets are perfection. They are soft, fit very well, and wash well without a lot of wrinkles. The softness is exceptional and the price reasonable. Highly recommended.

I wish I could give zero stars, as Fingerhut does not even deserve one. I’ve been with them for about 6 months. I always pay early and more than the amount due. All of a sudden they hit me with 64 negative points on TransUnion and 22 negative points on Equifax. The remark was due to a “natural disaster” in my area. First of all what does that have to do with my credit? I wasn’t impacted in my area by the recent hurricane. None of my assets were affected, nor my income, so why on earth am I being negatively affected by this? I called them and they couldn’t give me an answer or help correct their wrong doing. They told me to write a letter of dispute and mail it. I have done that and reported the dispute to both creditors. I am awaiting a response. I also read reviews that they did this to others. Please do not do business with them. I work extra hard and go above and beyond to build my credit so I can have a decent life and if need anything I have a good credit score to lean back on. And Fingerhut comes along and destroys it. So wrong! :(