Alan J. Slobodnik, M.S.W.

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 Sent: Monday, December 28, 8:PM Subject: Re: You have a New Message from Revdex.com Regarding Complaint # [redacted] I would like to thank Conn's for clearly stating their return/exchange policy in bold printIt clearly states return/exchange if found defective by a service technicianNowhere does it state exchange onlySince they were clearly stating their policy, nowhere does it say additional insurance is required nor was I ever offered any additional insurance except for homeowners which I did purchase I have never been given an explanation why the day sleep guarantee was also never honoredYet when I purchased the mattress I was told it came with day sleep guarantee In Sept when I received the 2nd defective mattress I tried then to just exchange the mattress and box spring for a different name brand mattress but they also at that time refused to do that stating that the bed frame did not meet manufacturer's standardsYet the1st defective mattress sitting on the exact same frame did They did nothing to resolve this problem until Nov 30thI will agree to exchange the mattress and box spring only if Conn's accepts responsibility for taking so long to resolve this problem an waivers all late charges an interest and the account still has months same as cash with no interest charged if paid in full by July 28th of 2016..exactly as it was when I purchased it I am not responsible for causing this problem or their negligence in resolving it..so I certainly shouldn't be expected to pay for itThank you again for resolving this matter[redacted]

Conn Appliances, Inc(“Conn’s”) appreciates the opportunity to respond to the concerns Ms [redacted] has 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 Ms [redacted] ’s retail installment contract or promissory note and security agreement, invoice, coupon book, and welcome letterAs 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 began receiving collection calls when your account became past due; and she would like the calls to stopOur investigation reveals that: Ms [redacted] began receiving collection calls when her account became past due; and we have placed a cease communications on the telephone numbers associated with the accountAccording to our records, Ms [redacted] signed a 32-month retail installment contract on July 21, She agreed to have her minimum monthly payment of $due on the 21st of each monthWhen 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 in her 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 her, before the due dateAdditionally, if Ms [redacted] pay date has changed, she may benefit from requesting a change of her due date each monthWe ask that Ms [redacted] contact us if she would find this beneficialAlthough Conn’s would prefer to keep the lines of communication open, we have placed a cease communication on the telephone numbers associated with your account

Thank you for the opportunity to respond to Mr [redacted] ’s concerns regarding account *** Mr [redacted] believes payments were applied to his account incorrectly According to our records, Mr [redacted] signed a 32-month retail installment contract on December 21, That contract included our 12-month, no-interest financing promotion (“cash-option”) Per the terms of the “cash-option,” the “cash-option is void if the minimum monthly payment is not paid within days of each month’s due date, or the unpaid portion of the total cash-option price is not paid within days of the “cash-option” expiration date If the “cash-option” is void, finance charges will be assessed from the date of purchase The original terms and conditions found in the retail installment contract will replace the “cash-option” addendum if the “cash-option” is void We have included a copy of Mr [redacted] ’s signed “cash-option” addendum for his records Mr [redacted] ’s total “cash-option” price was $ This amount included $for the merchandise and $for the insurance coverage Mr [redacted] received credit for the insurances he opted to cancel Mr [redacted] paid a total of $during the “cash-option” period This left an outstanding balance of $due on or before the expiration date of December 21, Mr [redacted] also stated he did not want the insurances on the accountMr [redacted] opted to cancel the optional insurances on the account and an insurance credit was applied to his account on December 29, Due to this being a secured retail installment contract, 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 dateMr [redacted] provided proof of insurance and an insurance credit was applied to his account on December 30, Conn’s respectfully disagrees that the payments and credits were applied to Mr [redacted] ’s account incorrectly The “cash-option” was void due to the unpaid portion of the total “cash-option” not being paid within 10-days of the expiration date of December 21, We have included copies of Mr [redacted] ’s signed documents as well as his payment history for his records Conn’s values Mr [redacted] as a customer and appreciates him for bringing his concerns to our attention

Thank you for the opportunity to respond to Mrs [redacted] ’ complaint Our records show on 5/13/16, Mrs [redacted] purchased a [redacted] high-efficiency top load washer and a top load electric dryer that came with a limited 1-year manufacturer’s warranty on both units; no additional RSA coverage was purchased through Conn’s Mrs [redacted] was provided a copy of Conn’s Return & Exchange Policy at the time of purchase which states: A consumer has 30-days from the date the item is received to return or exchange (appliances and electronics) with the required 15% restocking fee Mrs [redacted] elected to have her washer and dryer delivered; which was completed on 6/03/We researched Mrs [redacted] ’ complaint and found she contacted us on 6/05/regarding her dryer; stating the unit was making a loud noise Mrs [redacted] was redirected to delivery since her dryer was delivered two days prior An appointment was scheduled; during the inspection the delivery team was found to be working up to the manufacturer’s specifications The associate was unable to duplicate the problem Mrs [redacted] had experienced After further review we did not find where Mrs [redacted] contacted us after the inspection was completed We attempted to contact Mrs [redacted] on 6/15/on three separate occasions to schedule a new appointment to inspect her dryer; however we were unsuccessful in our attempts A message was left for Mrs [redacted] to return the call We ask that Mrs [redacted] contact us directly at 1-866-765-for further assistanceKind regards, Jana A [redacted]

Thank you for the opportunity to respond to Mr [redacted] ’s concerns regarding account [redacted] Mr [redacted] stated he was charged a $service fee, 40% interest He also stated he was told there was no restocking fee if he decided to return the product, but was charged a 15% restocking fee According to our records, Mr [redacted] signed an 18-month retail installment contract on November 5, Mr [redacted] agreed to the $administrative fee at the time of purchase Mr [redacted] ’s interest rate was 29% Mr [redacted] was given a copy of our return/ exchange policy at the time of purchase outlining the restocking fee Mr [redacted] returned his product and his account has been closedWe have included a copy of Mr [redacted] ’s signed retail installment contract and payment history for his records Conn’s respectfully disagrees that Mr [redacted] is due a refund as he did not make any payments on the account We appreciate Mr [redacted] for bringing his concerns to our attention

Thank you for the opportunity to respond Mr [redacted] ’s complaintOur records show on 10/18/15, Mrs [redacted] purchased a LG Top Load washer and dryer and elected to purchase a 48-month RSA PlanWe show Mrs [redacted] items were delivered on 10/21/however; there was a defect with the washer which was exchange and re-delivered on 10/28/ We researched Mrs [redacted] ’s service history and found she has two completed service calls on her dryer · 11/16/15- Technician assessed dryer and reported the unit is working to the manufacturer’s specificationThe technician removed and reattached the water dispenser port to ensure water was flowing through the unit correctly and educated customer on use · 12/7/15- Technician tested dryer and reported unit is working to manufacturer’s specification and also contacted the manufacturer who confirmed the dryer’s steam function is working properlyThe technician advised the customer of the operations system in the owner’s manual and how the unit creates steam through the heat and temperature; not a spray steam At this time Mr [redacted] ’s dryer does not meet the qualification for an exchange; the dryer is working up to the manufacturer’s specifications and no functional failures were found with the unitAlthough Mr [redacted] has exceeded the time frame to return/exchange his dryer; Conn’s is willing to extend the option to return or exchange the unit with the required 15% restocking fee as a gesture of goodwill If we may be of further assistance, Mr [redacted] may contact Customer Service at 1-877-358- Kind regards, Dyeisha [redacted]

Thank you again for the opportunity to respond to Ms [redacted] ' concerns regarding her accounts We will mail a copy of Ms [redacted] ' payment histories to the address provided The payments have been moved from the closed account to the open accounts; therefore an overpayment has not been processed Read More Customer Complaints: > >> $(function () { $('.complaint-block a[data-toggle=collapse]').click(function () { $(this).text($(this).text() == $(this).attr('data-close-text') ? $(this).attr('data-open-text') : $(this).attr('data-close-text')); }); $('.complaint-block .collapse').collapse({ toggle: }); $.each($('.complaint-block a[data-toggle=collapse]'), function (index, value) { $(value).text($(value).attr('data-close-text')); }) });

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me As I did receive the full refund

Thank you for the opportunity to respond to Mr [redacted] ’s complaint regarding a purchase made under [redacted] Our records show on4/02/17, Mrs [redacted] purchased a [redacted] French door refrigerator with a 48-month Repair Service Agreement Mrs [redacted] received a copy of Conn’s Return & Exchange Policy at the time of purchase Mrs [redacted] elected to have her refrigerator delivered We researched Mr [redacted] ’s complaint and found the day of delivery (4/03/17); the delivery team arrived and found the “old” unit was still in place Mr [redacted] stated he would put the old unit in the garage; Mr [redacted] pulled it out and moved it into the desired room Before the “new” refrigerator could be put in position it was discovered that the doors had to be removed to install the unit The delivery team took the doors off andsatthem in the room the Mr [redacted] had suggested The delivery team installed the refrigerator with no issue; they tested the waterline, Mr [redacted] inspected the area and Mr [redacted] signed off on the delivery receipt He signed acknowledging that he thoroughly inspected his merchandise for damages for an exchange or price concession would not be authorized for damages discovered after the delivery Once everything was complete, Mrs [redacted] informed the delivery team that they hit the door knob to the garage and scraped the paint off Although, we are unable to determine how the alleged damages were caused either by Conn’s delivery team or Mr [redacted] who himself moved the “old” refrigerator into the garage; Conn’s is unable to honor their request If we may be of further assistance, Mrand Mrs [redacted] may contact our Customer Service Department at 1-877-358- Kind regards, Jana [redacted]

Thank you for the opportunity to respond to Mr [redacted] ’s complaintOur records show on 4/11/14, Mr [redacted] purchased the [redacted] Reclining sofa and elected to purchase a 48-month FurnitureGard PlanWe researched Mr [redacted] ’s complaint and found he has contacted our service department on five separate occasions dated (3/15/until 2/9/16) for repairs regarding his sofaDuring Mr [redacted] lasted service appointment on 2/27/16; the serviceman found the left seat mechanism was not functioning properly and a new mechanism was needed for repairWe show the part was ordered through the manufacturer and shipped to Mr [redacted] ’s residence on 3/3/however; Mr [redacted] contacted service stating both the left and right mechanism needed to be repairedAfter further researching Mr [redacted] ’s service needs, Conn’s approved an exchange under the Terms and Condition of the FurnitureGard Plan for up to $(which is the original amount paid) to re-selectMr [redacted] may visit his nearest Conn’s location to initiate his exchangeWe sincerely apologize for any inconvenience Mr [redacted] experienced during this process If we may be of further assistance, Mr [redacted] may contact Customer Service at1-877-358-Kind regards, Dyeisha [redacted]

Thank you for the opportunity to respond to Mrs [redacted] ’s complaintOur records show on 11/1/15, Mrs [redacted] purchased [redacted] Notebook and elected to buy a 25-month Repair Service Agreement PlanWe researched Mrs [redacted] service history, and she took her notebook into the local Conn’s on 11/4/for repairs due to the unit does not turn on when plugged inMrs [redacted] ’s notebook was received in Conn’s service center on 11/14/16; during the inspection, the technician found a new AC adapter was needed to complete repairsMrs [redacted] was contacted and made aware that the part was on back order until 11/29/and she would be notified once the unit is fixedOnce the part was received the technician attempted to repair the unit but found the incorrect adapter was receivedTherefore on 12/2/16; Mrs [redacted] was contacted and made aware that the notebook has been approved for an exchange due to the service delayOur records show Mrs [redacted] requested to receive a refund instead of the exchange, therefore; we processed a credit of $to her account on 12/7/We sincerely apologize for any inconvenience Mrs [redacted] experienced as a result of the service delayIf we may be of further assistance, Mrs [redacted] may contact Customer Service at 1-877-358- Kind regards, Dyeisha [redacted]

[A default letter is provided here which indicates your acceptance of the business's response If you wish, you may update it before sending it.] Revdex.com: I have reviewed the response made by the business in reference to complaint ID [redacted] , and find that this resolution would be satisfactory to me Sent: Wednesday, February 22, 5:PM To: drteam Subject: RE: You have a New Message from Revdex.com Regarding Complaint # [redacted] HelloI would like to take this time and thank you for everything Conns contacted the NM atty's generalThey found the check that was never deliveredApologized up and down, account has been closedNo further action neededThank you for your time

Thank you for the opportunity to respond to Ms [redacted] ’s concerns regarding account [redacted] Ms [redacted] stated she paid her account in full and would like the credit mark received in July removed from the account According to our records, Ms [redacted] signed a 24-month retail installment contract on August 3, Ms [redacted] agreed to have the minimum monthly payment due on the 12th of each month Ms [redacted] received a day credit marks due to payments being made timely Ms [redacted] submitted the payment due on June 12, on July 13, Since the payment was submitted more than calendar days after the payment was due, a credit mark was assessed on the account We are obligated to report factual information to the credit bureaus and are unable to remove negative credit marks earned on the account due to timely payments We have attached a copy of Ms [redacted] ’s payment history and signed retail installment contract for her records We value Ms [redacted] as a customer and appreciate her for bringing her concerns to our attention Thank you,Cheryle [redacted]

Thank you for the opportunity to respond to Mrs [redacted] ’s additional comments As mentioned in Mrs [redacted] ’s last response that was received on 10/04/16; Mrs [redacted] ’s refrigerator is only covered under the limited 1-year manufacturer’s warranty no additional RSA coverage was purchased through Conn’s As stated Mrs [redacted] was scheduled for service on 9/16/16, but called in to reschedule; stating she needed an early morning time frame Mrs [redacted] was rescheduled on 9/26/16; during the inspection the technician reported he reinstalled the freezer door seal and adjusted the temperature control to complete repairs On 9/30/16, Mrs [redacted] contacted us; stating the ice-maker was not functioning The technician ordered a new ice-maker and Mrs [redacted] was scheduled to have service completed on 10/04/Since Mrs [redacted] ’s last response; we learned the day of her scheduled appointment she was not available Our records indicate we attempted to contact Mrs [redacted] on multiple occasions dated from 10/05/16, 10/06/16, 10/07/to reschedule her appointment to complete repairs, but were unsuccessful Due to not be able to reach Mrs [redacted] her service order was cancelled completely on 10/08/ At this time we are unable to honor Mrs [redacted] ’s request to exchange her refrigerator Mrs [redacted] may contact our service department at 1-855-266-to schedule an appointment at her convenience If we may be of further assistance, Mrs [redacted] may contact our Customer Service Department at 1-877-358-Kind regards, Jana A [redacted]

Thank you again for the opportunity to respond to Mr [redacted] 's concernsAs stated in our previous response, Mr [redacted] is currently scheduled to have his refrigerator assessed on 2/09/ Once Mr [redacted] ’s refrigerator has been assessed and we receive the technician’s report; we will be able to determine what further action is needed Conn’s values Mr [redacted] as our customers and appreciates him for bringing this matter 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 First, the issue still remains that the information that was given to me by the sales associate (that I did qualify) and what was told to me after are two totally different thingsI was told one thing and then given another and that is not good business practicesIf someone makes a mistake there, it should not be the customer who pays for that mistake.Secondly, Even while going over the purchase of my products, this information was not given to meThat is two occurrences where associates at this locations gave me misleading/information in regards to my accountI was told then that all documentation would be sent to me, It has been over a month and I still after multiple conversations I do not have a copy of the contract which is now conveniently sent to me via this site.Third, you said that it is after the period where I could return without a "penalty", my original complaint to the store location was before the day returnI left messages and was told someone would call me backIt wasn't until I called the cooperate office that I even received any kind of response from Conns.AS STATED, the only acceptable reconciliation for this would be to honor the terms in which I was given on not one but two occasionsOr take back the products at no penalty to me, as it was not me who has taken so long to respondAll of my responses have been prompt and before any Conns deadlines Regards,

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 complaintI accept that Conn's has accepted the new contract but they also reported days late to Transunion It dropped my credit rating by more than points I have requested that this be fixed and have been told that they need a copy of my report I requested it and am waiting on receiving it I have basically been told by their cooperate office there is nothing they can do about it I do not feel like this is how you should do business with "valued customers" [Provide details of why you are not satisfied with this resolution.] Regards, [redacted] ***

Revdex.com: I have reviewed the response made by the business in reference to complaint ID 11718711, and have determined that this proposed action would not resolve my complaintAs soon as said items are replaced and I can keep the items for more than a month without them breaking or falling apart I will mark this clearUntil then, Regards,

Thank you for the opportunity to respond to Mr [redacted] ’s additional commentsAs mentioned in our previous response, no issues were reported at the time of delivery; both units were inspected and tested upon deliveryWe have reviewed the photos provided by Mr [redacted] and the photos taken at the time of delivery for the range and determined that the flames would not have reached the location where the incident occurredTherefore; we are unable to honor Mr [redacted] ’s request for an exchangeIf Mr [redacted] can provide additional documentation to support his claim, we will re-evaluate his concernsIf we may be of further assistance, Mr [redacted] may contact our Customer Service Department at 1-877-358- Kind regards, Dyeisha [redacted]

Thank you for the opportunity to respond to MrsLow’s additional comments As stated MrsLow furniture was delivered and received in good order on 1/30/15; no damages were reported at the time of delivery MrsLow contacted our service department on 1/25/regarding her sofa and on 1/28/regarding her mattress; stating the sofa was sagging and the mattress was sinking A service call was scheduled for 2/04/16; during the inspection the serviceman found the sofa LSF (left side front) arm broken, wood dislodged and broken, he also notated the arm was sitting on the ground and no longer attached to the frame of the sofa The serviceman also inspected MrsLow’s mattress on 2/06/and found the mattress had a body impression of and ¼ inches and stains on the mattress in different areas at the time of the inspection The serviceman inspected the box springs and found a quarter inch of contour on the LSF with no measurable contour on the RSF (right side front) and both were still in plastic at the time of the inspection On 2/10/16, MrsLow was contacted and advised that the reported damages found by the serviceman showed signs of accidental/incidental which were not covered under the Terms and Conditions of the manufacturer’s warranty; no additional Furnituregard coverage was purchased to review other options MrsLow was informed we were unable to repair or exchange her sofa based on the serviceman’s findings MrsLow was also made aware that the manufacturer’s warranty did not cover stains or cleaning to the mattress and that the body impression found during her inspection is considered with use As listed in Sealy Terms and Conditions: a body impression that measures ½ inches or less is consider with use.After further review we found MrsLow contacted our customer service department via email on 2/23/after her service inspection was completed on 2/6/ MrsLow did not mention in her email that the serviceman damaged her sofa during the inspection and also never mentioned further damaged done to the unit when contacted by a customer relations representative MrsLow has been advised on several occasions that the reported damages are not covered under the Terms and Conditions of the manufacturer’s warranty.Again, at this time we are unable to honor MrsLow’s request; the reported damages to her sofa would not have been covered under the T&C’s of the manufacturer’s warranty during her coverage periodAs of 1/30/16; the manufacturer’s warranty has expired and MrsLow did not elect to purchase additional coverage with Conn’s to continue repairs.If we may be of further assistance, MrsLow may contact Customer Service Department at 1-877-358-Kind regards, Jana Andrews