Fingerhut review: Returns/credit reporting incorrectly/customer service/collections

Back in may 2023 I ordered 2michael kors purses which I was sent the wrong purses so I sent the purses back & paid $33 postage myself because the didn’t send a packing slip with return label with the package so I put acheck in with the purses for a payment I owed for a previous order ! Which the check for the payment cleared my back within a wk give or take a couple days ! So about a month later when I recieved a call from the collections department at Fingerhut saying I needed to make a payment on the purses cause they were never returned I was shocked I kept asking the girl if she could understand what I was telling her that I knew the purses were returned & I knew they were recieved cause the check cleared the bank & she just kept saying I needed to make payment on the purses I thought maybe she couldn’t understand what I was telling her because she wasn’t offering to help me get to the bottom of the situation she just kept saying I needed to make payment I asked to speak to a supervisor she put me on hold then came back saying supervisor is unavailable her English was broken I’m not saying that to be mean I just didn’t think she could understand me so I told her I would wait til someone in charge could speak with me so I was on hold then she came back acting like a supervisor I could tell it was the same person & she said the purses were never recieved & I must make a payment I was frustrated after an hour or more of this I hung up I waited til I cooled off called back it automatically sent me to collections it was either the same person or someone else with broken English I explained the situation & was told the same thing I need to make payment I asked then if I could speak to someone in returns & was told I could not I had to make payment at this point I didn’t know what to do or say I new I wasn’t goin to pay for these purses that were between $800-$1000 that obviously someone has stolen I just said I’ll contact the police & make report or a lawyer I was livid then I hung up a few days later I called & was told the purser where recieved that the returns department hadn’t input it in computer but since I was contacting an attorney that they could no longer tell me any information but they could take a payment on the previous order I still owed for which were a pair of puma shoes so I paid $25 on the shoes then I called back a few days ago to pay off the shoes which the woman said was $248 which the shoes were under $200 & I had paid 2 payments of $15 & a payment of $25 on $55 she said well you have late fees which I don’t have late fees so she took those fees off & I gave her my card info but she said she couldn’t accept a credit card because my account was 90 delinquent which that is not possible I’d nnn making the payments & there’s no way so here I go again asking to speak with supervisor which I could not but she said she would take my number & have the supervisor call me back & I have stil yet to recieve a call from supervisor & they have reported me to credit bureau & had dropped my credit score over 100 points I worked hard to get my credit score back up to where I could buy things on credit my score was close to 700 now it’s barely 600 I’m at my wits end I don’t know how to fix what they have done to me!