Alan J. Slobodnik, M.S.W.

Thank you for the additional opportunity to respond to Ms. [redacted]’s concerns regarding account [redacted].    We appreciate Ms. [redacted] for providing the additional identifying information.  Ms. [redacted] stated she believes the information listed on her credit report is inaccurate and she would like it corrected.    According to our records, Ms. [redacted] singed a 36-month retail installment contract on March 25, 2006. She agreed to have the minimum monthly payment due on the 20th of each month.  Ms. [redacted] stated her first date of delinquency was September 2009.    Conn’s is obligated to report factual information to the credit bureaus and we are unable to remove any negative credit marks assessed on the account due to payments not being made timely.  Ms. [redacted]’s account was paid per the settlement agreement on April 29*, 2010.  We have attached a copy of Ms, [redacted]’s payment history for her records.    The account will remain on the credit report from the last date of delinquency, not the first date of delinquency.    Conn’s appreciates Ms. [redacted] for bringing her concerns to our attention.

Thank you for the opportunity to respond to Ms. [redacted]’ concerns regarding account [redacted]7032.  Ms. [redacted] stated she overpaid her account and has not received her refund.   According to our records, Ms. [redacted] submitted a payment in the amount of $251.80 on January 1, 2017.  This...

overpaid the account by $251.80.  On January 13, 2017 that payment was moved to Ms. [redacted]’ opened account (account [redacted]7070).    Ms. [redacted] has requested that the overpayment amount be refunded to her instead of having it applied to her opened account.  We are in the process of reversing the payment on account [redacted]2070.  Once that payment has been reversed we will submit the request to have the overpayment amount refunded to Ms. [redacted]. We ask that Ms. [redacted] please allow up to 30 days for processing.   Conn’s values Ms. [redacted] as a customer and apologizes for any inconvenience she experienced due to this matter.

[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 11860916, and find that this resolution would be satisfactory to me.

We
did not find a purchase made under Mrs. Holland’s name or number associated
with her complaint.  We attempted to contact Mrs. Holland at the phone
number provided on the complaint however we were unable to reach her. 
Kind
regards,
Jana
[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.  Will be back in contact if there are issues with the delivery and or workmanship of the new unit.

Conn Appliances, Inc. (“Conn’s”) appreciates the opportunity to respond to Mr. [redacted]’s concerns. We have a more than 120-year history of quality customer service and satisfaction, and we would not want anything to impair that record. As 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.     That he contacted us for repairs on his new refrigerator but has not been able to get assistance regarding the repairs; and   2.     He is requesting either a concession or exchange.     Our investigation reveals that:   1.     We have been in contact with Mr. [redacted] regarding his service repairs; 2.     We have agreed to issue a 10% concession to his account.   Our records show on 9/1/17, Mr. [redacted] purchased a [redacted] refrigerator which comes with a 1-year limited manufacturer’s warranty. Mr. [redacted] did not elect to purchase additional coverage with Conn’s. We show Mr. [redacted] refrigerator was delivered and received in good order on 9/2/17. We researched Mr. [redacted]’s complaint and found that he contact our service department on 9/3/17 stating his refrigerator is not dispensing ice or water. A service appointment was scheduled for 9/5/17. During the inspection, the technician found a new case filter tank was needed. We show the technician order that part on 9/6/17 and it item was received on 9/11/17. Mr. [redacted] was contacted on 9/12/17 to schedule part installation and requested repairs on 9/15/17. The technician returned to Mr. [redacted]’s residence on 9/15/17 and installed the new case filter tank to complete the repairs. As a gesture of goodwill, Conn’s has agreed to offer Mr. [redacted] a 10% concession towards the refrigerator. We have submitted a request for the amount of $149.99 to be applied towards Mr. [redacted]’s account. We ask to please allow up to 10-15 business days for the credit to reflect on the account. Conn’s values Mr. [redacted] as a customer and appreciates him for bringing this matter to our attention. Sincerely, Conn’s Inc.

Thank you for
the opportunity to respond to Ms. [redacted] concerns regarding accounts
[redacted] and [redacted].  Mrs. [redacted]
stated she had a one year “Cash-option” on her accounts but due to a payment
error, the “Cash-option” was lost and she would like it reinstated. ...


According to
our records, Mrs. [redacted] signed a 30-month retail installment contract on
August 20, 2015 which created account [redacted].  She signed a second 30-month retail
installment contract on November 19, 2014 which created account [redacted].  Both retail installment contracts included
our 12-month no-interest financing promotion (“Cash-option”). 
The “Same as Cash” credit offer
is withdrawn on a date being the earlier of 
the failure to make required minimum payments within 10 days of the
scheduled due date or twelve months from the date of purchase.  The “Cash-option” was void on account
[redacted] and account [redacted] due to payments being made timely. 
We are unable to reinstate the “Cash-option”
on Ms. [redacted] accounts due to payments being made timely one the accounts. We
have attached copies of Ms. [redacted] signed retail installment contract, “Cash-option
acknowledgement page and payment history for each account for her records. 
We value Ms. [redacted] as a
customer and appreciate her for bringing her concerns to our attention.

Thank you for
the opportunity to respond to Mr. [redacted] concerns regarding account
[redacted].  Mr. Wooten stated he would
like his 12-months same as cash offer reinstated. 
 
According to
our records, [redacted] signed a 30-month retail installment contract...

on
December 26, 2015.  That contract
included out 12-month no-interest financing promotion (“Cash-option”).
 
Per the terms
of [redacted] signed “Cash-option” Addendum page, the minimum monthly payments
of $52.86 are due by the 26th of each month during the “cash-option”
period.  If the required minimum monthly
payment is not paid within 10 days of each month’s due date, the “cash-option”
is void.  We have attached a copy of [redacted] signed “cash-option” addendum page for his records. 
 
Mr. [redacted] accrued
several late fees causing the “cash-option” to be void.  We are unable to reinstate Mr. [redacted] “cash-option”
due to payments not being made timely. 
We have also included a copy of Mr. [redacted] signed retail installment contract
and payment history for his records. 
 
We value Mr.
[redacted] as a customer and appreciate him for bringing his concerns to our
attention.  Thank you,Cheryle S[redacted]

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,
I don't like dishonesty.  I was in fact contacted and talked with someone from Conn's on 6/16/15 at 12:26pm.  At this time I was told that they were looking for another headboard.  He then found one.  I answered 3 different calls and was transferred to a live person who confirmed the appointment for delivery.On the 17th I received a prerecorded call that the delivery drive would be there in 10 minutes.  After two hours I called them direct and asked where the driver was.  The driver scheduled to deliver did not have it on his truck.  No one called to let me know.  I had someone sitting there waiting.II then received a call from a driver who had my product.  He was very kind and let me know when he would arrive.There is a lot of confusion in Conn's organization that cause others time and money.I now have my headboard but in order to get it I had to go thru a lot of disorganization.Thanks for your help. [redacted]

Thank you for the opportunity to respond to Mr. [redacted]’s additional comments. As previously stated Mr. [redacted]’s contacted us on11/03/15 and11/13/15 regarding one of his of the [redacted] phones requesting service. During the conversation on 11/3/15 Mr. [redacted] informed the Conn’s representative the phone was damaged; Mr. [redacted] was informed no accidental coverage was purchased through Conn’s to cover the physical damage and manufacturer warranty does not cover physical damages.Mr. [redacted] contacted us again on 11/13/15, requesting service stating it was the motherboard. Mr. [redacted] was informed that he would need to contact the manufacture regarding service needs under the terms of their warranty agreement. Mr. [redacted] was provided the number to [redacted] (800-726-7864) to contact them regarding any repair needed under the terms of their warranty agreement.   We have included a copy of Mr. [redacted]’s original invoice showing additional warranty coverage was not purchased.   Kind regards,     Kathryn [redacted]

Thank you for the opportunity to respond to [redacted] concerns regarding account [redacted]  [redacted] stated she set up a payment through Conn’s webpay service.  She overpaid her account and would like to know when she will receive her refund.   According to our records,...

[redacted] scheduled a payment to pay off her account on August 19, 2016.  [redacted] had a pending payment for $200.00 scheduled to post on August 20, 2016.  That payment was already pending and was not canceled as a result of her payment scheduled on August 19, 2016.   When an account has been overpaid, Conn’s must verify that the check has been negotiated by the customer’s financial institution before an overpayment refund can be processed.  This process can take up to 30 days.  We ask that [redacted] please allow time for processing.  If [redacted] has not received her refund check by September 20, 2016, we ask that she contact us so we may track the check.   Conn’s values [redacted] as a customer and appreciates her for bringing her concerns to our attention.  Thank you, Cheryle S[redacted]

Thank you for the opportunity to respond to Mr. [redacted]’s concerns regarding account [redacted]. Mr. [redacted] stated he paid his account balance in full, but the account remains opened.   According to our records, Mr. [redacted] signed a 34-month promissory note and security agreement on February 21,...

2017.  He paid the account balance in full on March 20, 2017.  Due to a system issue, Mr. [redacted]’s account did not immediately close.  As of April 10, 2017, Mr. [redacted]’s account has been closed with no late fees or delinquent credit marks.   Mr. [redacted] will receive a close-out letter in the mail within 30-days of the account closing date.   Conn’s values Mr. [redacted] as a customer and apologizes for any inconvenience he experienced due to this matter.

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,

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,
The action that was taken to repair the refrigerator was finally done - now noise has started - and I have called again for a second repair. The attached file has note and correspondence with both Conn's and [redacted].  Currenlty waiting on reimbursement of food claim - covered by extended warranty - and additional repair.

Thank you for
the opportunity to respond to Mr. [redacted] concerns regarding accounts
[redacted] and [redacted].  Mr. [redacted]
stated he continues to receive collection calls after he makes a payment on his
accounts. 
 
According to
our records, Mr. [redacted] signed a...

retail installment contract on February 10,
2015 and agreed to the minimum monthly payment to be due on the 20th
of every month.  On February 12, 2015,
Mr. [redacted] signed another retail installment contract, also agreeing to the
minimum monthly payment to be due on the 20th of every month.
 
When the payment is late,
we begin call attempts as a reminder to ensure payments will be
made timely. It is a normal practice for our company to begin call attempts the
first day the payment is late. To prevent the calls Mr. [redacted] has the option to 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 date.
Additionally, if Mr. [redacted] pay date has
changed, he may benefit from requesting a change of his due date each month.  We ask that Mr. [redacted] contact us if he
would find this beneficial.   Please
note, the account must be paid current before we can adjust the due date.
 
According to our records and
recorded calls, Mr. [redacted] began receiving call attempts on both of his
accounts beginning on June 21, 2015.  Mr.
[redacted] secured payments for both of his accounts on June 26, 2015 and has not
received additional call attempts since the payments were secured.
 
We value Mr. [redacted] as a
customer and appreciate him brining his concerns to our attention.  Thank you,Cheryle S[redacted]

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.  
I never stated that I was not aware of the interest charges. I stated that we were not aware of the INSURANCE chargesThe account number is [redacted] The account is in my husbands name [redacted].]
Regards,

Thank you for the opportunity to respond to Mrs. [redacted]’s complaint. After further review of Mrs. [redacted]’s complaint; Conn’s has agreed to honor the request an process a $100.00 to Mr. [redacted]’s ** account; please allow 7-14 business days for the credit to reflect on the account. We also...

forwarded Mrs. [redacted]’s complaint to upper management to address this issue with all parties involved. We appreciate Mrs. [redacted] for bringing this matter to our attention and we sincerely apologize for any inconvenience experienced during this process. If we may be of further assistance, Mrs. [redacted] may contact us at 1-877-358-1252. Kind regards, Dyeisha [redacted]

Thank you for the opportunity
to respond Mr. [redacted]’s complaint.  Our
records show on7/21/15,
...

Mr. [redacted]purchased a [redacted] dishwasher
with a 48-month Repair Service Agreement.  Mr. [redacted]’s signed invoice indicates
at the time of purchase he acknowledged he was provided a copy of the Repair
Service Agreement brochure and that he understood the coverage associated
with the covered product.  Once Mr. [redacted]’s
purchase was completed he was given a copy of his contract and a copy of
Conn’s Return & Exchange Policy which states:A consumer has 30-days from the
date of purchase to return or exchange (electronics and appliances) with a
required 15% restocking fee.  Mr. [redacted]elected to have his dishwasher
delivered; which was completed on7/26/15.
We researched Mr. [redacted]’s complaint and found his
original dishwasher was exchanged due to product failure within 72-hours; Mr. [redacted]’s new dishwasher was
delivered on8/04/15. 
After further review, we show Mr. [redacted]contacted us on 8/19/15; stating the dishwasher
was not drying the dishes.  A service call was scheduled; during the
inspection the technician found the unit was working up to the manufacturer
specifications and advised Mr. [redacted]he could use a rinse agent to help
with the drying performance.  Mr. [redacted]expressed his dissatisfaction and
requested to return the dishwasher.
 Mr. [redacted]has been informed on several
occasions if he is not satisfied with the performance of the dishwasher; he
may return/exchange the unit with the required 15% restocking fee. 
Based on the technician’s report Mr. [redacted]’s
dishwasher is up to the manufacturer specifications.  Although, Mr. [redacted]’s 30-day time frame to
return/exchange his dishwasher; Conn’s has agreed to extend him an additional
30-days (10/04/15)
to return or exchange his dishwasher with the required 15% restocking
fee.          
If
we may be of further assistance, Mr. [redacted]may contact our Customer Service
Department at [redacted].
  




 


Kind regards,
Jana A[redacted]

Thank you for the opportunity to respond to Mr. [redacted]’ additional comments. We attached a copy of Mr. [redacted]’ signed invoice acknowledging that he was provided a copy of the [redacted] brochure and contract and was aware of the coverage associated with the product. As mentioned in our previous response, the delivery team returned to Mr. [redacted]’ residence on 3/16/17 and confirmed the unit was cracked when powered on. Mr. [redacted] was informed he would need to contact our service department to schedule further repair needs as we are unable to determine when or how damages occured once the delivery has been completed. However; we have no records showing that Mr. [redacted] contacted our service department for repair needs on his television. Also, we confirmed that Mr. [redacted] signed a voluntary repossession form and returned the television to our Conn's located in Gastonia, NC. Mr. [redacted] is will still be responsible for any residual balance remaining on the account. If we may be of further assistance, Mr. [redacted] may contact Customer Service at 1-877-358-1252  Kind regards, Dyeisha [redacted]

Thank you for the opportunity to respond to Mrs. S[redacted] concerns. 
We researched Mrs. S[redacted] dispute and confirmed she was offered a $100.00
concession for the damage that was found at the time of delivery.  There was a processing error and Mrs. S[redacted]
concession had not been...

applied to her invoice. 
 
Mrs. S[redacted] has been contacted regarding her experience and the
error has been corrected.  Mrs. S[redacted]
will receive $179.99 total credits to her account which will post to her
account within the next 3-5 business days. We sincerely apologize for any
inconvenience Mrs. S[redacted] has experienced during this process.
 
If we may be of further assistance, Mrs. S[redacted] may contact our
Customer Service department at 1-877-358-1252.
 
Kind regards,
 
Kathryn J[redacted]