I started with fingerhut years ago. Then closed my account. Had great experience with them. 2 or three years ago I got fingerhut again I've returned items for a refund no problem. I don't get where you are having problems with costumer services they have always been polite to me. They recently switched to fingerhut fetti and still no problems. I payed off the remainder of my regular fingerhut so I wouldn't be having to pay both back. I do not intend to close my account even when paid in full because they offer great quality stuff.