Alan J. Slobodnik, M.S.W.

Thank you for the opportunity to respond to Ms*** regarding account ***Ms*** stated she was asked to sign an new contract, an additional credit check was processed without her permission, and she is receiving collection calls. According to our records, Ms
*** applied for Conn’s credit on October 29, She signed a 32-month retail installment contract on November 14, and agreed to have her minimum monthly payment due on the 27th 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*** 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***’s pay date has changed, she may benefit from requesting a change of her due date each monthWe ask that Ms*** contact us if she would find this beneficial. On November 29, Ms*** submitted a second credit application through Conn’s websiteThat application was not initiated by the store. Credit approvals are valid for calendar days. Once an application has expired, or the available credit has not been used, the customer must reapply. We are obligated to report factual information to the credit bureaus and are unable to remove the credit inquiries Conn’s respectfully disagrees that there was a second contract initiated by the sales associate as we only have one contract on fileWe have attached copies of Ms***’s signed retail installment contract, Freedom to Choose page and invoice for her records. Conn’s values Ms*** as a customer and appreciates her for bringing her concerns to our attention Thank you, Cheryle ***

Thank you for the opportunity to respond to Mr***’s complaintOur records show on 10/16/16; Mr*** purchased a *** washer retailed at $We show Mr*** was able to take advantage of Conn’s 10% off additional months No Interest promotional offer and received the
unit at a discounted price of $990.00. We researched Mr***’s complaint and found that his washer does not meet the qualifications for the price guarantee as other promotional offers are excludedPlease see Conn’s Price Guarantee Policy “We want you to be confident in your purchase from Conn'sIf you find the same item advertised in the weekly print ad at an established retailer (excluding Internet-only competitors) within days of your purchase, we'll match it*No questions, no hasslesIt's that easy.*Includes in-stock products only and those without other promotional, finance or clearance offersPrice match policy does not apply to computers”. Also, we were able to confirm with merchandising that the dryer Mr*** purchased was not marked down to $within his 30-day time frameAt this time we are unable to honor Mr***’s request; Conn’s Price Guarantee excludes other promotional offers. If we may be of further assistance, Mr*** may contact us at 1-866-765-1513. Kind regards, Dyeisha ***

Most Recent MessageDate Sent: 9/20/9:58:AMThank you for the opportunity to respond to Ms***’s concerns regarding account ***1310. Ms*** stated she made payment arrangements on her account. She would like the credit mark removed and to reduce the number of collection calls she receives. According to our records, Ms*** signed a 32-month retail installment contract on July 19, 2015. She agreed to have her minimum monthly payment due on the 27thof 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*** 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***’s pay date has changed, she may benefit from requesting a change of her due date each monthWe ask that Ms*** contact us if she would find this beneficial. Ms*** contacted us on July 26, to make payment arrangements to bring her account current. She made one payment of $This payment brought her account current to August 26, 2016. Conn’s is obligated to report factual information to the credit bureaus and our records do not reflect any negative credit marks on the account. We have attached a copy of Ms***’s payment history for her records. Although Conn’s would prefer to keep the lines of communication open, we have placed a cease communications on the telephone numbers associated with your accounts. Conn’s values you as a customer and appreciates you for bringing your concerns to our attention. Thank you, Cheryle ***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint Sent: Friday, January 27, 2:PM Subject: RE: *** *** #***My mother's paperwork is all correctCONN's is saying they sent another payment back to my mom's *** card, in December of 2016, which time CONN's said it reopened my mother's account. They never sent no such paymentIt doesn't exist. Not to mentionThe amount on their paperwork is wrongIt says That's wrong tooThe stove top was only Where are they getting their information. The paperwork my mom has says otherwise

Thank you again for the opportunity to respond to Mr***' concerns regarding his account. As stated in our previous response, on November 27, 2016, Mr*** scheduled a payment in the amount of $to process on December 8, 2016. Additionally, on December 8, 2016, Mr*** scheduled a payment in the amount of $to process on December 8, 2016. We have included a copy of Mr***’ payment history and payment confirmations for his records. Mr*** overpaid account *** by $100.81. On December 28, 2016, that $was moved to Mr*** open account; accountWe have provided a copy of the payment history for account *** as well

Thank you again for the opportunity to respond to Ms*** concerns. We appreciate Ms*** for providing the additional information so we could research her concerns furtherAccording to our records, Mr*** signed a 36-month promissory note and security agreement on May 17, 2017. That agreement included our property insurance. 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 dateMs*** sent in proof of insurance and an insurance credit was applied to the account on June 14, 2017. We have included a copy of the payment history as verification. Conn's respectfully disagrees Mr*** was unaware of the property isnruance added to the account as he signed the insurance authorization page and the Freedom to choose page regarding the insuranceWe have included copies of the signed documents for Ms*** records. Conn's appreciates Ms*** for bringing her concerns to our attention

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint
[Provide details of why you are not satisfied with this resolution.]Yes, I made a payment online but when I made my payment my confirmation stated that it was coming from our *** *** account, which is the correct account I wanted it to come out of, but the payment was then drafted from an old account that we do not use anymore which didn't have enough money in to cover the paymentTherefor, I don't feel that I should have to pay the return fees since I selected the correct account and it still drafted from an old one
Regards,*** ***

Thank you for the opportunity to respond to Mrs*** complaint. Mrs*** originally made her purchase on 9/27/16. Mrs*** was later contacted and informed her address was incorrect on her application/invoice; two days later (9/29/16) Mrs*** requested to have her order
cancelled. In the process Mrs*** asked the sales representative if it would be possible to not cash the check she had previously written on 9/27/16. However, due to the two-day time frame we were unable to stop the process of submitting/cashing Mrs*** check. We attempted to contact Mrs*** to further discuss her concerns; but we were unsuccessful and due to Mrs*** voicemail being full we were unable to leave a message. For further assistance Mrs*** may contact us directly at 1-866-765-1513 ext3506. Kind regards, Jana ***

Thank you for the opportunity to respond *** * *** *** additional comments. *** *** *** ***’ issue has been escalated with upper management and Conn’s agreed to exchange their pedestals. We attempted to contact *** * *** *** on 9/15/15regarding the approval, but we were unsuccessful in our attempt. *** *** may visit her nearest Conn’s location to initiate the exchange and schedule delivery. If we may be of further assistance, *** * *** *** may contact Customer Service at 1-877-358-1252. Kind regards, Jana A***

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID *** and have determined that this proposed action would not resolve my complaint
I am not satisfied with this solution for a number of reasonsFirstly, the company's claim that they have sent a check to the address I provided is false!! The 7/13/check they reference was instead sent to the address that was associated with the account where the payment was appliedObviously, since I do not actually have an account with this company, they basically sent my check to the same person who fraudulently used my banking information to make a payment on their accountThis was confirmed on July 20th, via a telephone call and was stated in my original complaintWhen the customer service representative told me that they sent the 7/13/check to the wrong address, that is what prompted me to complain through Revdex.comAs far as I am aware, they have not made any attempt to send a check to any address I have ever provided themIt is now half way through August, and I still have not received anythingI provided them my address on July 20th via telephone, and when I sent them my bank statement and voided check on 5/16/and 6/21/17, respectivelyThe second reason why the company's response does not satisfy my concern is because when they sent the check to the wrong address, they illegally provided personally identifiable information of mine to a third partyThis is illegal and I feel that I should be compensated for that extraordinary negligence and lack of careWhen they were informed on 5/5/that there was a fraudulent charge to my account, at that moment, they knew or should have know that there was a heightened duty of careIt seems that less care was taken insteadI think that negligence is due additional compensation and the company should pay for identity theft protection for me for years to ensure that this instance does not result in future ID theft.
Regards,
*** ***

Thank you for the opportunity to respond to Mrs***’s complaintWe researched Mrs***’s complaint and found that her issue is regarding a purchase made under Leonard ***Our records show on 11/10/16; Mr*** bought a “sold as is”clearance model ** Electric range for a
discounted price of $and elected to purchase a 48-month Repair Service Agreement PlanWe show Mr*** signed his invoice acknowledging that he was aware the unit was “sold as is “ and there is NO returns/exchangesMr*** elected to pick up his range from his local Conn’s on11/10/16; no issue was reported. We researched Mr***’s service history and found that he contacted us on 11/15/16stating the oven and burners is not workingA service appointment was scheduled for11/16/16; during the inspection, the technician found parts were needed to complete the repairsWe received the parts from the manufacturer on 11/21/16, and Mr*** was contacted and scheduled for installation on 11/25/The technician reported he installed a new control oven and faceplate to complete the repairsThe technician notated that he tested the oven, broil, and all burners and said the unit is working up to specifications. At this time we are unable to honor Mrs***’s request for an exchange or reimbursement; the unit was successfully repaired as listed under the Terms and Conditions of the RSA Plan We have attached supporting documents with our response. If we may be of further assistance, Mr*** may contact us at 1-866-765-1513.Kind regards,Dyeisha ***

Thank you for the opportunity to respond to Ms***’s concerns regarding account ***1731. Ms*** stated the account should be closed. According to our records, Ms*** purchased a laptop on December 6, 2015. She contacted our service department on
January 19, stating the unit would not charge. The laptop was replaced under the Repair service agreement (RSA) on January 19, 2017. A new account was not set up for the new computer because the financial obligation did not change. Conn’s is obligated to report factual information to the credit bureaus and we are unable to remove the negative credit marks assessed on the account due to payments not being made timely Conn’s values Ms*** as a customer and appreciates her for bringing her concerns to our attention

Thank you for the opportunity to respond to Ms***’s additional comments. We researched Ms***’s complaint and found that a new service order for Mr*** was created on 4/20/18. Our records show Mr*** and Ms*** have been contact with Conn’s service department regarding their scheduled appointment date. We show Mr*** is currently scheduled for service on 4/27/to have his *** *** *** sofa repaired. Again, at this time we are unable to honor Ms***’s request for an exchange. Mr***’ furniture is being repaired under the terms and conditions of his manufacturer’s warranty Conn’s value Ms*** as our customer and appreciates her for bringing this matter to our attention Sincerely, Conn’s Inc

Revdex.com:
I have reviewed the response made by the business in reference to complaint ID ***, and have determined that this proposed action would not resolve my complaint
[Provide details of why you are not satisfied with this resolution.]
Regards,
I bought this furniture in November and started noticing color changes around April less than five month from purchase date for furniture that cost about $I decided to get the furniture in conns because I believed what they advertised to meI never went to a small retail store because I didnt want any complaint.A furniture of almost $2,started wearing out within months? I still cannot believe thisSo, what wear and tear are they talking about to the best of my knowledge that means they are selling fake product,they are misleading customers like me about the products they sell,they told me is a genuine leather,that is advertisement on their part based on this assertion I reject their response.All I want to resolve this issue is an exchange/replace this furnitureSecondly, they said the furniture is under the sunI still do not get itI have the furniture right here in my livingroomwhere else should I have the furniture placed? I don't get itI called several numbers several times, they kept transferring my calls to different lines for almost month until I got tiredYet they told me it s wear and tear under months of purchaseI believed a wear and tear should occur if I had bought a furniture of $from a small company and not from Conns with $furniture. This product is what I look at everyday and not happy and cry .Now thinking of where to get another money to replace it which I do not have because it looks awfulI need an exchange or a replacement to these furnitureThank you

Thank you for the opportunity to respond to Mr***’ complaint. After researching Mr***’ complaint we found his issue has been addressed. Our records show Mr*** contacted us on 10/03/16 stating his refrigerator was not cooling. After reviewing his service
report we found an exchange was submitted and approved on 10/17/16 for Mr*** to replace his refrigerator. We show Mr*** initiated his exchange and his new refrigerator was delivered on 10/19/16 in good order. In addition we show a Food Loss Claim in the amount of $has been submitted. We ask that Mr*** allow 7-business days for the claim to be processed, approved, and mailed. Again, we sincerely apologize to Mr*** for any inconvenience he experienced during this process. If we can be of further assistance, Mr*** may contact our Customer Service Department at 1-877-358-1252. Kind regards, Jana Andrews

Conn Appliances, Inc(“Conn’s”) appreciates the opportunity to respond to the concerns Mr*** has regarding account(s) *** and ***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***’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*** stated in his complaint that: he has provided his billing information to allow Conn’s to draft his monthly payment; he receives collection calls each month when his payment becomes due; and he believes his payments are not being processed so he will owe additional interest on his accountsOur investigation reveals that: Conn’s is unable to set up automatic payments; however, Mr*** may schedule them through our webpay service; Mr*** began receiving collection calls when his accounts became past due; and Conn’s respectfully disagrees that Conn’s is not processing Mr***’s payments so we may charge additional interest on his accounts. According to our records, Mr*** signed a 30-month retail installment contract on March 1, That contract created account ***Mr*** agreed to have his minimum monthly payment of $due on the 1st of each month Additionally, Mr*** signed a 34-month retail installment contract on December 14, That contract created account *** and he agreed to have the minimum monthly payment of $due on the 14th 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*** may pay in his local Conn's store, by mail, over the phone, or online where we also offer the option to schedule recurring payments if it is more convenient for him, before the due dateAdditionally, if Mr***’s pay date has changed, he may benefit from requesting a change of his due date each monthWe ask that Mr*** contact us if he would find this beneficial Mr*** stated he provided his banking information so Conn’s can draft the payments from his account each month. In order to schedule automatic payments, Mr*** will need to schedule those payments through our online billpay service. Conn’s agents are unable to set up automatic payments. If Mr*** needs assistance with setting up the online billpay, he may contact our customer service department for assistance. Conn’s respectfully disagrees that Conn’s is not processing Mr***’s payments so we may charge additional interest as Mr*** will need to schedule automatic payments Conn’s appreciates Mr*** for bringing his concerns to our attention

Thank you for the opportunity to respond to *** ***’ concerns regarding account ***. *** *** stated she made a payment that was applied to the incorrect account. According to our records, the payment *** *** made on January 31, was applied to the incorrect
account. We have moved the payment of $to the account and reversed the late charge that was assessed on the account due to the error. We are in the process of reinstating the no-interest financing offer ('cash-option"), and reversing the negative credit mark that was assessed on the accountPlease note, it may that the credit bureaus 30-days to update their records Conn's values *** *** as a customer and sincerely apologizes for any inconvenience she has experienced due to this matter Thank you, Cheryle ***

Thank you for the
opportunity to respond Mrs***’s complaintOur records show on 6/01/15,
Mrs*** purchased a *** dishwasher which comes with a 1-year limited
manufacturer’s warranty (no additional
coverage was purchased with Conn’s) and ** Universal dishwasher
installation kit
Mrs***’s dishwasher was delivered and signed received
in good order on 6/04/
We researched Mrs
***’s complaint and found she contacted our service department on 6/11/
stating her dishwasher was not drainingA service appointment was scheduled
for 6/19/15; during the inspection the technician found Mrs***’s drain
line was too low and needed to be re-installedThe technician contacted the
manufacture’s tech line while at Mrs***’s residence and they advised the
unit was working properlyThe technician did not*** the dishes were wet after
the cycle and w***r was at the bottom of the unitMrs*** was advised she
could contact the manufacture directly to have them re-assess her unitOn
6/22/15, Mrs*** contacted our service department regarding the same issue
However; the service order with Conn’s was cancelled because Mrs*** was previously
scheduled to have the manufacture inspect her dishwasher on 6/24/Our
records show on 7/2/15, Mrs*** contacted our service department again
after the manufacture inspected her dishwasher stating the unit was not
workingA service appointment was scheduled with a different Conn’s technician
for 7/10/During the inspection the technician found the drain hose needed
to be installed higher and tested the unit, unit tested okWe show on 7/13/15,
Conn’s delivery team re-installed Mrs***’s drain hose and the unit was
functioning properlyWe also confirmed the ** Universal dishwasher kit is
compatible with Mrs***’s dishwasher and is not a result of issue
reported Mrs*** has been advised
on several occasions that her dishwasher does not meet the qualification for an
exchange under the T&C’s of the manufacturer’s warranty
At this time we are
unable to honor Mrs***’s request for an exchange; based on the last
inspection completed on 7/10/the dishwasher is functioning properly
Although Mrs*** has exceeded the time-frame to return/exchange her
dishwasher, Conn’s has agreed to extend an additional 30-day to return/exchange
with the required 15% restocking
If we may be of further
assistance, Mrs*** may contact Customer Service at ***
Kind regards,
Dyeisha W***

Conn Appliances, Inc(“Conn’s”) appreciates the opportunity to respond to Ms***’s concernsWe have a more than 120-year history of quality customer service and satisfaction, and I would not want anything to impair that recordAs a reminder, you may contact Conn’s regarding questions by
calling our Customer Service Helpdesk at 1-877-358-1252, or on-line at www.conns.com. Ms*** has stated in the complaint: 1) that we failed to repair/replace her furniture; 2) she was not contacted regarding her service, and we are giving her the runaround; and 3) we advised her that the warranty expired Our investigation reveals that: 1) the reported damages are not covered under the Terms and Condition of the warranty; 2) we contacted the number on file on 7/20/and left a message with a 3rd party; and 3) the warranty does not expire until 11/03/ After researching Ms***’s complaint, we found her issue is regarding a purchase listed under *** ***Our records show on 11/02/13, Mr*** purchased the *** *** living room furniture which consists of four pieces (sofa, loveseat, ottoman, and half chair) and elected to purchase a 48-month FurnitureGard Plan We show Mr*** has contacted our Service department once for repairs to his sofaOn 7/14/16, Mr*** called stating his seat cushion is peeling and the stitching is coming loose on the armrestA service appointment was scheduled for 7/19/During the inspection the serviceman found the stitching is coming loose on the right arm of the sofa, both seat cushion covers peeling and loose threading on the armrest After review of the serviceman’s report and photos taken at the time of inspection, our service department attempted to contact Mr*** on 7/20/but was unsuccessfull and left a message to return the call with an unidentified maleOur records show Mr*** did not contact us back until 10/13/16, and at that time he was informed that the reported damages were covered under the terms and conditions of the FurnitureGard PlanWe have no further records showing that Mr*** or Ms*** has contacted our Service department since the sofa was last inspected on 7/19/16. We attempted to contact Ms*** on 5/8/to discuss her concerns but were unsuccessful and left a voice message to return our callAt this time we are unable to honor Ms***’s request, based on the last inspection completed on 7/19/as the reported damages are not covered If Ms*** is in need of service, she may contact our Service Center at 1-855-266-to schedule a service appointment Conn’s appreciate Ms*** for bringing her concerns to our attention

Conn Appliances, Inc(“Conn’s”) appreciates the opportunity to respond to Ms***’s 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, Ms***’s may contact Conn’s regarding questions by
calling our Customer Service Helpdesk at 1-877-358-1252, or on-line at www.conns.com. Ms***’s has stated in the complaint; 1) that her dryer was delivered damaged and we were unable to re-deliver a new unit promptly; and 2) she wants her dryer delivered as soon as possible Our investigation reveals that; 1) upon delivery, a defect was found in the dryer, and the unit could not be installedMs*** was informed that we would re-schedule delivery for her dryer for the first available date2) Ms***’s dryer was re-delivered and installed on 5/31/ Our records show on 5/28/17, Ms*** purchased a *** washer and dryer and elected to purchase a 24-month Repair Service Agreement Plan We researched Ms***’s complaint and found that her delivery was scheduled for 5/28/Upon delivery, the washer was successfully installedHowever, the delivery team found the dryer screws for the electrical hosing were too big, and the cables would not workTherefore, the dryer was returned to the warehouse to process an exchange and re-schedule deliveryMs*** was advised that the first available date to re-deliver the dryer was on 5/31/ Our records show we re-delivered and installed Ms***’s new dryer on 5/31/We have no further records showing that Ms*** has contacted us regarding any further issues since her unit was re-deliveredWe sincerely apologize for any inconvenience Ms***’s experienced during this process Conn’s values Ms***’s as a customer and appreciates her for bringing her concerns to our attention