Legal Question in Consumer Law in North Carolina

Is it legal for businesses to do whatever they want to? In RE: Fingerhut...I placed an order via their slow app on 1/9/2025. My credit limit was $300. My order total was $429.05. To get my limit below the $300 threshold, I paid the difference of $129.05 plus the required $30 down payment. The The full total showing and debited to my bank card $159.05 on 1/9/2025. I know you're wondering where is the problem? On 1/10/2025 Fingerhut canceled my order without warning. An unknown number showed up on my caller ID on 1/10/2025. The caller left no message of any kind. I considered the call Spam. I receive several calls that are Spam. This number was bo different. I called Fingerhut to inquire about the canceled order. They claimed that they couldn't verify my address and email. I already have an account, they send me catalogs to my home address. Why do I need to verify my address? Make this make sense. I'm out of $159.05 and a canceled order that was done illegally.


Asked on 1/11/25, 6:33 am

1 Answer from Attorneys
Lynn Coleman Attorney-Mediator

It is not uncommon for a mail order business who accepts credit to attempt to verify customer information before processing an order. There is nothing illegal about this. You are not "out" $159.05 - you paid that towards the balance of the credit card that you owe (and still ow a balance on).

If you are unhappy, do not order from them again and pay off the credit card ASAP. Do not "cancel" the credit card - this will close your available credit and reduce your score. Just throw their catalogs in the trash and unsubscribe from any email they may send to you in the future. Leave the credit card "open" with a 0 balance and cut up the card.

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Answered on 1/13/25, 7:26 am


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