Alan J. Slobodnik, M.S.W.

Thank you again for the opportunity to respond to Ms [redacted] ' concerns regarding accounts [redacted] and [redacted] We have attached a copy of the payment histories for each account The insurance credit was applied to account [redacted] on January 8, Ms [redacted] also received a credit to each account for the delivery charge in the amount of $ These credits add up to the $that was agreed uponConn's values Ms [redacted] as a customer and appreciates her for brining her concerns to our attention

Thank you for the opportunity to respond to [redacted] complaint. Our records show on 6/22/15, [redacted] purchased a [redacted] and [redacted] Queen box spring that comes with a limited manufacturer’s warranty. [redacted] mattress and box spring was delivered and received in... good order on 6/24/15.We reviewed [redacted] complaint and found he contacted our Customer Service department on 7/16/14 stating he wanted to return his mattress because he was having back pains. [redacted] was informed that although Conn’s has a No Return or Exchange Policy on furniture/mattresses; his mattress does qualify for an exchange under the manufacturer’s 120-day Comfort In-Home Trial. [redacted] was educated as part of the trial offer, the mattress must be in the customer’s home for 30 nights to adjust to the comfort level. As listed on [redacted] 120-day In-Home Trial which can be found on the manufacturer’s and Conn’s website: This trial program is offered exclusively by [redacted] to their retail partners, allowing you to experience your new [redacted] in your home for up to 120 days - and still exchange or return it if you are not completely satisfied*. Once your [redacted] is delivered and set up in your home, sleep on it for a minimum of 30 nights to adjust to a new level of comfort and support. If you are not completely satisfied after the first 30 nights, contact your [redacted] retailer to discuss your options. [redacted] has been informed that he may return or exchange his mattress anytime after 7/24/15 while still under the 120-day trial offer but the box spring is excluded and does not qualify.Although we are unable to honor [redacted] request; he does have the option to return/exchange his mattress only after 30 nights in his home. We sincerely apologize for any inconvenience [redacted] experienced during this process.If we may be of further assistance, [redacted] may contact our Customer Service department at [redacted] Kind regards, Dyeisha W [redacted] Customer Relations 8/3/2015

Thank you for the opportunity to respond to [redacted] complaint regarding a purchase made under the name [redacted] Our records show on Roman 11/22/14, [redacted] purchased a United Furniture ( [redacted] ***) furniture set which consisted of two pieces (right front sofa and left front sofa) with a 48-month Furnituregard Plan on both pieces [redacted] signed invoice indicates at the time of purchase he acknowledged he was provided a copy of the Furnituregard Plan brochure and that he understood the coverage associated with the product(s) [redacted] elected to have his furniture delivered; we show [redacted] signed his delivery ticket acknowledging his furniture was delivered and received on 11/23/in good order [redacted] 's signature on his delivery ticket acknowledges he thoroughly inspected his merchandise for damages for an exchange or price concession would not be authorized for damage discovered after the delivery After researching [redacted] complaint we found [redacted] contacted our service department on 12/16/(23-days) after delivery was complete; stating the left sofa corner was ripped A service call was scheduled for 1/03/15; during the inspection the serviceman found the sofa had a tear on the top left facing corner and found some staples under the front sticking out The serviceman removed the staples; however he was not able to repair the tear After reviewing the pictures which are included in our response we found the reported damage is noticeable and would have been found at the time of delivery The damages shown appear to be the result of a possible collision with another object [redacted] was contacted on 1/15/and was informed the reported damages discovered (the tearing of the material) was not covered under the Terms and Conditions of the Furnituregard Plan Please see SECTION (15) WHAT IS NOT COVERED: Letter (*) and Letter (*) As of 5/29/15, we do not show where [redacted] has contacted our service department regarding any further repairs on their furniture At this time we are unable to honor [redacted] request to exchange her furniture If we may be of further assistance, [redacted] may contact our Customer Service Department at [redacted] Kind regards, Jana A [redacted]

Thank you for the opportunity to respond to Ms [redacted] ’s concerns regarding account *** Ms [redacted] stated she made payment arrangements on her account; however, we continued to call According to our records, Ms [redacted] signed a 12-month retail installment contract on June 11, She agreed to have her minimum monthly payment due on the 20th of each month When a payment is late, we routinely begin call attempts to the telephone numbers provided on the credit application, as a reminder to ensure payments will be made timelyIt is practice for our company to begin call attempts to assist consumers from falling behind on their accountMs [redacted] may pay on-line, in her local Conn's store, by mail, or over the phone if it is more convenient for her, before the due dateAdditionally, if Ms [redacted] ’s pay date has changed, she may benefit from requesting a change of her due date each monthWe ask that she contact us if she would find this beneficial Conn’s respectfully disagrees that payment arrangements were made on Ms [redacted] ’s account, as she disconnected the call before the agent could verify her information and process a promise to pay on the account Although Conn’s would prefer to keep the lines of communication open, we have placed a cease communications on the telephone numbers associated with Ms [redacted] ’s account We value Ms [redacted] as a customer and appreciate her for bringing her concerns to our attention Thank you,Cheryle S [redacted]

Thank you for the opportunity to respond to Mrs [redacted] ’s complaintOur records show on5/25/16, Mrs [redacted] purchased a [redacted] washer and dryer both with a 48-month RSA Plan and two pedestalsMrs [redacted] items were scheduled for delivery on5/26/however; during delivery the washer and one pedestal were damaged therefore she was re-scheduled for delivery the following dayWe show Mrs [redacted] new washer and pedestal was delivered and received in good order on5/27/We have no records showing Mrs [redacted] has contacted us regarding any further issues with her units since the items were delivered If we may be of further assistance Mrs [redacted] may contact us at1-866-765- Kind regards, Dyeisha [redacted]

Conn Appliances, Inc(“Conn’s”) appreciates the opportunity to respond to the concerns you have regarding account(s) [redacted] We have a more than 120-year history of quality customer service and satisfaction, and I would not want anything to impair that recordOur contact information is located on Mr [redacted] ’s retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letterAs a reminder, he may contact Conn’s regarding questions about his purchase by calling our Customer Service Helpdesk at 1-877-358-1252, or on-line at www.conns.com Mr [redacted] stated in his complaint that: he did not receive a payment booklet; he submitted a payment in March but it was not applied to his account; he was not aware of the insurance on his account; he would like the March payment applied to his account; he would like the credit marks removed; and he would like the insurance removed from his accountOur investigation reveals that: a payment booklet was mailed to the address on file 7-business days after purchase and again on December 15, at Mr [redacted] ’s request; Conn’s has no record of receiving a payment in March 2017; Mr [redacted] was aware of the property insurance on his account; MrMr [redacted] will need to send in proof of payment for the March payment; Conn’s is obligated to report factual information to the credit bureaus and we are unable to remove the delinquent credit marks due to payments not being made timely; and MrMr [redacted] provided proof of insurance and the credit was applied to the account on June 19, According to our records, Mr [redacted] signed a 36-month promissory note and security agreement on November 3, He agreed to have his minimum monthly payment of $due on the 16th of each month When a payment is late, we routinely begin call attempts to the telephone numbers provided on the credit application, as a reminder to ensure payments will be made timelyIt is practice for our company to begin call attempts to assist consumers from falling behind on their accountMr [redacted] may pay on-line, in his local Conn's store, by mail, or over the phone if it is more convenient for him, before the due dateAdditionally, if Mr [redacted] ’s pay date has changed, he may benefit from requesting a change of his due date each monthWe ask that Mr [redacted] contact us if he would find this beneficialConns’ respectfully disagrees that it has harassed Mr [redacted] as we have been unable to reach him regarding the past due balance owed on his accounts A payment booklet was mailed to the address on file 7-days after the initial purchaseOn December 15, 2016, Mr [redacted] contacted our customer service department and requested another payment bookletA second payment booklet was mailed out at that time Conn’s has no record of receiving a payment on Mr [redacted] ’s account in March We ask that Mr [redacted] please provide proof of payment so we may investigate the matter further Mr [redacted] will need to provide a copy of the receipt, bank statement, credit card statement, or the front and back of the negotiated check depending on the payment tender Conn’s is obliged to report factual information to the credit bureaus and we are unable to remove the negative credit marks assessed on the accounts due to payments not being made timely Due to this being a secured promissory note and security agreement, the merchandise must be insured with property insurance, either purchased through Conn's or provided by the customer under their own homeowner's or renter's policy until the contract is paid in fullIn the event the customer has an alternative insurance policy, they are able to send that policy into our insurance department to receive full credit if presented within days of the purchase date or prorated if after this time as long as the declaration pages shows coverage from the date of purchase to the present dateAdditionally, Mr [redacted] signed the Notice of Proposed Insurance page and the Freedom to choose page regarding the insuranceWe have included a copy of Mr [redacted] ‘s signed promissory note and security agreement, freedom to choose and notice of proposed insurance page for his recordsMr [redacted] provided proof of insurance and an insurance credit in the amount of $was applied to his account on June 19, We have included a copy of the payment history as verification the insurance has been credited to the account Conn’s appreciates Mr [redacted] for bringing his concerns to our attention

Thank you for the opportunity to respond to Mr***’s additional commentsWe spoke to Mr [redacted] on 9/30/and addressed his concernsIf Mr [redacted] is in need of further assistance, he may contact us at 1-866-765-Kind regards, Dyeisha W [redacted] Customer Relations

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint [Provide details of why you are not satisfied with this resolution.] Regards, $is only have of what was suppose to be taken off the unit.....I was told that payments would be taken off which totals $429, if they only want to give me credit of than they should also give me the interest I paidThanks [redacted]

Thank you for the opportunity to respond to Mrs [redacted] ’s complaintOur records show on 10/25/15, Mrs [redacted] purchased a [redacted] washer and dryer and elected to purchase a 24-month Repair Service AgreementMrs [redacted] ’s products were delivered and received in good order on 11/1/ We researched Mrs [redacted] ’s complaint and found she contacted our service department on 12/7/stating the washer was not agitating or spinningA service appointment was originally scheduled for 12/9/however; Mrs [redacted] re-scheduled her appointment for 12/13/During the inspection the technician found parts were needed to repairOnce the parts were received Mrs [redacted] was scheduled for installation on 12/19/however; during the installation it was found that the incorrect parts were received and a new order needed to be placed to receive the correct parts to complete the repairsOur records show there is a part delay therefore Mrs [redacted] has been approved from an exchange under the Terms and Conditions of the manufacturer’s warranty We attempted to contact Mrs [redacted] on 1/6/regarding her approval but were unsuccessful and left a voice messageMrs [redacted] may visit her nearest Conn’s location to initiate her exchangeWe sincerely apologize for any inconvenience Mrs [redacted] experienced during this process If we may be of further assistance, Mrs [redacted] may contact Customer Service at 1-877-358- Kind regards, Dyeisha W [redacted]

Thank you for the opportunity to respond to Mr [redacted] ’ complaint We researched Mr [redacted] ’ complaint and found his issue has been addressed and resolved Our records show on 7/17/15, Mr [redacted] returned his [redacted] 8,BTU portable ac unit with the required 15% restocking fee We sincerely apologize to Mr [redacted] for any inconvenience he experienced during this processIf we may be of further assistance, Mr [redacted] may contact our Customer Service department at 1-877-358-Kind regards, Jana [redacted]

Conn Appliances, Inc(“Conn’s”) appreciates the opportunity to respond to Mr [redacted] concernsWe have a more than 120-year history of quality customer service and satisfaction, and we would not want anything to impair that recordAs a reminder, Mr [redacted] may contact Conn’s regarding questions by calling our Customer Service Helpdesk at 1-877-358-1252, or on-line at www.conns.com Mr [redacted] has stated in the complaint: 1) He contacted to report gas leak with range and was recommended by Conn’s technician to have plumber out to inspect home, but the plumber found the issue was with the range; and 2) He is requesting a refund for the fee spent to have a plumber inspect home Our investigation reveals that: 1) Mr [redacted] ’s range was inspected on three separate occasions, and each technician reported there were no issues with the unitMr [redacted] was recommended to contact a plumber for precaution; and 2) We have agreed to issue a partial refund as a gesture of goodwill Our records show on 11/25/16, Mr [redacted] purchased a [redacted] gas range and which comes with a 1-year limited manufacturer’s warrantyMr [redacted] did not elect to purchase additional coverage with Conn’s We researched Mr [redacted] ’s service history and found that he first contacted our service department on 6/4/stating the range was leaking gasA service appointment was scheduled for 6/13/During the inspection the technician report that he tested the unit and it is working up to specificationsThe technician also notated that he was unable to duplicate the reported issue and did not find a gas leak We show Mr [redacted] contacted service again on 6/21/regarding the same issueA new service appointment was scheduled for 6/26/During the inspections, the technician reported he found a small leak at the gas elbow before shutting off the range but could not determine the causeThe technician suggested that Mr [redacted] contacts a plumber to inspect his home for precaution as no issues were found with the range Our records show Mr [redacted] later contact service on 6/29/for the same issueA service appointment was scheduled for 7/4/During the inspection, the technician reported that he checked for a leak with soap bubble but was unable to see or smell any gas We attempted to contact Mr [redacted] on 7/20/to discuss his concerns but were unsuccessful and left a voice message to return our callAlthough we are unable to offer a full refund for the cost to have a plumber inspect his home, we are will to refund half the amount paid ($62.50) as a gesture of goodwillWe have submitted a check request to be mailed to the address listedWe ask to please allow up to 30-days to receive payment Conn’s values Mr [redacted] as a customer and appreciates him for bringing this matter to our attention

Thank you for the opportunity to respond to Mrs [redacted] ’s additional comments As mentioned in Mrs [redacted] ’ original response; a service call was scheduled for and during the inspection the technician found parts needed to be replaced The technician ordered the parts and once the parts were available; we attempted to contact Mrs [redacted] to schedule an appointment to install the new parts Our records show we attempted to contact Mrs [redacted] on12/20/15at 10:42am, but we were unsuccessful and we left a voicemail for Mrs [redacted] to return our call On 12/23/15, 12/24/15, 12/26/15and12/28/15, we attempted to contact Mrs [redacted] again to schedule an appointment, but again we were unsuccessful and we were unable to leave a message due to Mrs [redacted] ’ voicemail was full Due to no response and not hearing from Mrs [redacted] her service order was cancelled on 12/28/ Since Mrs [redacted] ’ last complaint a new service order was created on 1/18/16to schedule an appointment to complete the repairs Our records indicate multiple attempts were made to reach Mrs [redacted] , but we were unsuccessful in our attempts Therefore, the service order was cancelled Mrs [redacted] will need to contact our service department at 1-855-266-6349to schedule an appointment that is convenient for herIf we may be of further assistance, Mrs [redacted] may contact our Customer Service Department at 1-877-358-Kind regards, Jana A [redacted] 1/17/

Thank you for the opportunity to respond to [redacted] complaint. Our records show on 4/13/14, [redacted] purchased the [redacted] sofa and recliner and elected to purchase a 48-month FurnitureGard Plan for the recliner only. [redacted] ... delivery was scheduled and received in good order on 4/19/14; no damages were reported during delivery. We reviewed [redacted] complaint and found she contacted our service department on 3/14/15 stating the arm on the recliner is coming undone. A service appointment was scheduled for 4/1/15; during inspection the serviceman found the rocker base was squeaking due to the back clips not being attached and the left arm stitching coming undone. The servicemen tighten the adjusted clips but found a new mechanism and arm cover needed to be ordered to complete repairs. The parts were ordered through the manufacture and shipped to [redacted] residence; once received she was schedule to install parts on 5/13/15. During installation, the serviceman was able to install the new mechanism but found the arm cover with holes and needed to re-order a new arm cover though the manufacture. Once [redacted] received the arm cover she was scheduled for 7/8/15; however [redacted] requested to re-schedule her appointment. [redacted] was contacted on 7/13/15 to re-schedule her appointment however; she refused to set a date and stated will no longer be needing service therefore; her service order was cancelled. At this time [redacted] recliner does not meet the qualification for an exchange; [redacted] has received the additional part needed to complete repairs. [redacted] may contact our Service Department at [redacted] to schedule an appointment at her earliest convenience. We attempt to schedule appointments that are convenient for our consumers however; due to certain locations we are unable to guarantee availability for some dates and time frames. We apologize for any inconvenience [redacted] experienced during this process. If we may be of further assistance, [redacted] may contact our customer service department at [redacted] . Kind regards, Dyeisha W [redacted] Customer Relations

Explain to me WHY you need a FULL CREDIT REPORT! You have been provided all other documentation needed to CORRECT your ERROR! I sent the page from your INCORRECT reporting already

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and have determined that this proposed action would not resolve my complaint The leather pealing is an unfortunate byproduct stemming from inferior materialThe problem that I have is indeed structural, which the warranty does coverThe leather is TEARING at the threadsAlso, I was SOLD by your salesman that the warranty covered ANYTHING that happened to the furnitureHe used an example of kids coloring over with markersThis is obviously an outright LIE and I have three witnesses that were present when the lie was toldThey will be more than happy to testifyI want this furniture replaced and I am not above going to small claims court, social media and whatever means I must to get the word out that Conns does not only sell inferior products at inflated prices but also does not stand behind their legal obligations to cover warrantable defects in to the good that they sell Regards, [redacted]

Conn Appliances, Inc(“Conn’s”) appreciates the opportunity to respond to the concerns you have regarding account(s) [redacted] We have a more than 120-year history of quality customer service and satisfaction, and I would not want anything to impair that recordOur contact information is located on Mr [redacted] ’s retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letterAs a reminder, he may contact Conn’s regarding questions about his purchase by calling our Customer Service Helpdesk at 1-877-358-1252, or on-line at www.conns.com Mr [redacted] stated in his complaint that: he mailed in his final payment on April 1, 2017; he made three additional payments; he would like to know why additional charges were on the account after the initial payoff; he would like a refund of the overpaid amount; he would like to be removed from the mailing list; and he would like late fees refundedOur investigation reveals that: Mr [redacted] paid his account balance in full on April 3, 2017; he made three additional payments; additional charges were not assessed on the account; however, due to a system issue the account did not close on April 3, 2017; a refund for the overpaid amount is being processed; we have removed Mr [redacted] from the mailing list; and there were no late fees assessed on the accountAccording to our records, Mr [redacted] scheduled a payment in the amount of $on April 3, This payment paid the account balance in full On April 4, 2017, Mr [redacted] paid an additional $On April 5, 2017, he paid $and on April 6, 2017, he paid $ No additional charges were assessed on the account; however, due to a system issue, Mr [redacted] ’s account did not close on April 3, Mr [redacted] ’s account is now closed and we are processing a refund for the $9.72, $and $payments We ask that Mr [redacted] please allow 10-business days for processing We have removed Mr [redacted] from the mailing listPlease note, he may receive promotional offers within the next 30-days as offers could have been mailed prior to the removal Conn’s respectfully disagrees that it should refund late fees assessed on the account as there were no late fees assessed on the accountConn’s values Mr [redacted] as a customer and apologizes for any inconvenience he experienced due to this matter

Thank you for the opportunity to respond to Mrs [redacted] ’s complaint We researched Mrs [redacted] ’s complaint and found her issue has been addressed Mrs [redacted] ’s information was forwarded to upper management; after reviewing her service history we able to determine her [redacted] laundry stack pair was defective On 8/25/16, an exchange was submitted and approved for Mrs [redacted] to have her unit replaced Mrs [redacted] is currently in the schedule for Friday (8/26/16) to have her new unit delivered Again, we sincerely apologize to Mrs [redacted] for any inconvenience she experienced during this process If we may be of further assistance, Mrs [redacted] may contact our Customer Service Department at 1-877-358- Kind regards, Jana [redacted] Customer Relations

Thank you for the opportunity to respond to Mr***’ additional commentsAs mentioned in our previous response, we confirmed the dishwasher Mr [redacted] purchased is the standard size for a dishwasherMr [redacted] has been advised that he may purchase a dishwasher trim kit which may help fill the spaceMr [redacted] may check [redacted] or [redacted] for trim kit/gap fillersIf we may be of further assistance, Mr [redacted] may contact us at 1-866-765-Kind regards, Dyeisha [redacted]

Conn Appliances, Inc. (“Conn’s”) appreciates the opportunity to respond to the concerns you have regarding account(s) [redacted] . We have a more than 120-year history of quality customer service and satisfaction, and I would not want anything to impair that record. Our contact information is located... on Ms. [redacted] ’s retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letter. As a reminder, she may contact Conn’s regarding questions about her purchase by calling our Customer Service Helpdesk at 1-877-358-1252, or on-line at www.conns.com. Ms. [redacted] stated in her complaint that: she was told Conn’s was going to take $50 off her first month’s payment; and she would like the $50 deducted from the payment; she would like the late fee removed from her account. Our investigation reveals that: Ms. [redacted] was told she would receive a $50 credit on her account; the $50 credit was applied to the account; however, it will not reduce the minimum monthly payment due; Conn’s is unable to remove the late fee assessed on the account due to the payment not being made timely. According to our records, Ms. [redacted] signed a 36-month retail installment contract on May 29, 2017. She agreed to have the minimum monthly payment of $393.81 due on the 12th of each month. Ms. [redacted] was offered a $50 credit due to a delivery issue. That credit was applied to the account on August 4, 2017. Please note, an invoice credit does not change the minimum amount due each month. Ms. [redacted] ’s first payment in the amount of $393.81 was due on July 12, 2017. She made a payment in the amount of $343.81 on June 20, 2017. A late $10 fee was assessed on the account on July 22, 2017 due to the full payment amount not being made. We have included a copy of Ms. [redacted] ’s payment history as verification the $50 credit has been posted to the account. Conn’s values Ms. [redacted] as a customer and appreciates her for bringing her concerns to our attention.

Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] and have determined that this proposed action would not resolve my complaint As a reminder, she may contact Conn’s regarding questions about her purchase by calling our Customer Service Helpdesk at 1-877-358-1252, or on-line at www.conns.com I have been calling for weeks now, the customer service damage has been done, provide a date to expect my refund as I did not lie and provided proof sent via fax, Conns is so quick to take payments from their customers, but when it's the other way around and they are expected to return money, the same is not done, nor consideration for the customerI was a customer of Conns for many years Regards,Mrs [redacted]