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Conns / credit harassment

1 Corpus Christi, TX, United States Review updated:

after loosing my job because of the fallout of the american economy, i was unable to make the monthly payments on hte merchandise i have had from conns for over two years now. i began getting phone calls from conns collectors every day from as early as 7am till as late as 10pm, no joke. i mean every hour on the hour. i finally told them i could not afford to make the payments anymore and for them to come and pick up their merchandise. i guess i pissed them off cause they began threatning me saying i would be taken to court for the remainning balance and began calling me names. The floor manager called me back and told me i was being a selfish ###, i told her i was sorry but i could not afford to make the payments she continued to call me a sellfish ### and that i would be dragged into court for the balance i still owed. i dont know why this lady was so upset at the fact that i couldnt make my payments any more but someone needs to do something about this. she never said her name but she had the accent of an african american.

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  • Es
      14th of Feb, 2008
    0 Votes
    Conns - Defected merchandise!
    5505 west loop south houston
    United States
    Phone: 713-349-0600

    My complaint is regarding a Lift cabinet I purchased in October 07. The cabinet broke two months later. I called conns to come and repair Cabinet and have disrespected and ignored since then I financed the warranty and still no calls or responds.

    Beware people!

  • Ry
      12th of Jul, 2009
    0 Votes

    This clear information is not contained in Conn’s contract, nor do they in anyway make the consumer aware of their lending practices. This plain language should be on the front of Conn’s credit contract under the disclosure:


    This is not an unsecured loan. An unsecured loan is a loan that is not backed by collateral. Unsecured loans are based solely upon the borrower's credit rating. This is a secured loan, a loan in which the borrower pledges some asset (e.g. a car or property) as collateral for the loan, which then becomes a secured debt owed to the creditor who gives the loan. The debt is thus secured against the collateral — in the event that the borrower defaults, the creditor takes possession of the asset used as collateral and may sell it to satisfy the debt by regaining the amount originally lent to the borrower.

    Consumers that accept loans for houses and cars are made fully aware of these terms and conditions. I experienced some costly medical problems. My last payment was $105.23 on 05/27/2009. Already, on 06/09/2009 I’ve been threatened with a lawsuit, repossession and criminal activity if the integrity of the item purchased has been compromised; by the supervisor of Conn’s corporate office while I was on the job. This woman knew I was on the job. Repossessing my purchase will cost me at least $1500.00 with nothing to show for my money. It’s not a common practice to repossess electronics or other goods purchased at department stores. This is a unique tactic that sharply contrasts with the leading retailer’s contract agreements in the United States. These are tactics to evade consumer protection laws, although in 36 years, I’ve never defaulted on a credit card or loan payment. I was informed that Conn’s accepts consumers with bad credit. I’m planning on contacting my local representative to assist in reforming predatory lending practices.


    Office of the Press Secretary

    WEEKLY ADDRESS: President Obama Calls on Congress to Pass Credit Card Reform Bill

    WASHINGTON – In his weekly address, President Barack Obama called on Congress to pass a credit card reform bill, so that he can sign it into law by Memorial Day. The American people know that they must act responsibly and fairly, and credit institutions must do the same. Sudden rate hikes, unfair penalties, and hidden fees are too common and are hurting too many people. The set of principles the President has advocated will bring strong and reliable protections to consumers and strengthen monitoring, enforcement, and penalties for credit card companies that attempt to take advantage of ordinary Americans.

    It is past time for rules that are fair and transparent. That is why I have called for a set of new principles to reform our credit card industry. Instead of an "anything goes" approach, we need strong and reliable protections for consumers. Instead of fine print that hides the truth, we need credit card forms and statements that have plain language in plain sight, and we need to give people the tools they need to find a credit card that meets their needs. And instead of abuse that goes unpunished, we need to strengthen monitoring, enforcement, and penalties for credit card companies that take advantage of ordinary Americans.

    Conn's Appliances has already been sued for not honoring product warranties, misleading customers about its products, false advertising and violating the Texas Deceptive Trade Practices Act. I welcome anyone that has had similar experiences or anyone that identifies Conn’s as a predatory lender that takes advantage ordinary Americans.

  • Ry
      12th of Jul, 2009
    0 Votes

    Mistake above, it should read, "Already, on 07/09/2009."

  • Kr
      15th of Jul, 2009
    +1 Votes

    File a complaint with the Attorney General of Texas. He is taking complaints about Conns and will contact you. Also file a complaint with the FTC. If they are calling you names ie *itch they are not supposed to do that. They will take you to court. It will probably be in Beaumont since that is where their home office is located. It is where they used to take all their cases. They usually won. Also they should be trying to get the appliance back from you. They can clean it up and sell it to settle what is left of your debt OR for most of it. They may even make a profit. In the past the credit department was really pushed to be polite and not threaten. Things may have changed since the company was purchased by someone else. But one thing is for certain, the rights of the consumer have not. Go to this website to read about your rights.

  • Wr
      29th of Jul, 2009
    0 Votes

    I worked in Collections for this company. They do so many unlawful things to try to get the customers to pay on the debt owed. But they never, EVER, listen to WHY the customer can no longer pay. A lot of the merchandise they sell is faulty. Harassment isn't just deployed to the customer, it's pretty much a given on the employees as well.

    This is a horrible company to work for and apparently to buy from. They treat their employees and their customers with little dignity and respect. I have never bought from Conn's and I never will.

  • I0
      6th of Aug, 2009
    0 Votes

    I hate Conns. They dont do anything but harass you. Grant it that we all go through hard times and may be late on a bill or two from time to time. Being one or two days late with Conns turns into 5 calls a day harassment. They will call your job, cell phone, house phone, relatives, dogs, cats, you name it! Its not that serious. I dont know why I even set a foot into Conns. My computer was defective and I had to take it in for repairs after only two weeks of having it. They have overcharged me definitely and I cant wait until I am done paying them off! Ugh! It just makes me sick to my stomach. Oh and the customer service stinks and the people are ghetto and unprofessional when you call them!

  • Fo
      13th of Jun, 2010
    0 Votes

    I had the same problem as some others in this forum. Conn's attempted to join my original account from 2006 when I moved to Texas and was paid off in 2006, with a new account that began in 2008! I finally received satisfaction for their mistake and harassment by contacting the Board of Directors and President in Beaumont, TX.

    I was laid off in 2009 but somehow, continued to make payments. I bought a Netbook computer ($299) with cash (NOT ON A CONN'S ACCOUNT) in December, 2009, along with an extended warranty. After a while, I could not continue the monthly payments. After six months, the power cord no longer stayed connected to the computer, so I took it in for repair under the warranty. Ten days later, I called to check on the status of the repair and was informed they could not repair the computer, NOR could they return it to me until I paid off the account - $2661.00!!! This could not be legal!

  • Te
      20th of Mar, 2011
    0 Votes

    I totally agree about conns scams. They have truely the worst customer service i belive in history. The RoundRock store in Austin Texas sold me a damaged table as well as it was missing parts to the table. For two weeks now I have been waiting on a table. I have talked to everyone everyday and just now after threatning that I want my money back the manager of the store is having someone bring me a table that was order prior and never delivered. about damn time...

  • Di
      7th of Dec, 2011
    0 Votes
    Bellaire Glass &L& Computer Desk - Missing desk hardware
    Garth Rd
    United States

    Bought an "L" shaped glass computer desk on 11-14-11. Hardware missing.Had to put it together temporarily with hardware I could find here at home(have a small business and needed it up THEN! They agreed to order all that I needed, that wasn't in the box. Today is 12-7-11. Calls not returned.Finally Customer Support says the manufacturer, doesn't make the desks any longer. Can't work with the keyboard jammed under the monitor.No brackets to install keyboard shelf.Callous indifference is the order at this store, after they have made a sale.

  • Ho
      23rd of Apr, 2013
    0 Votes

    Conn's is a COMPLETE MESS! They called me approx 8 times WITH 8 voice mails! I was due YESTERDAY! Last month I was about 4 days late and I was waiting on my paycheck while they decided to call my mother, my work phone, my cell phone, and left those annoying voice mails! Well guess what.. Next time I will take my ### to walmart and not deal with this **** no more! The customer service chick literally cut me short and began snapping at me... Oh, I'm sorry, I didn't realize this was coming out of your check! Lost customer!

  • Ti
      17th of Jun, 2013
    0 Votes

    I currently have three seperate accounts with Conns Furniture which total to about 450.00 a month. I was able to make the payments unitil my husband lost his job and therefore our finances have become tight relying only on my paycheck every 2 weeks. I recently contacted Conns notifying them that I was unable to make the full payment. Because I was a month behind I was told they would take 1 payment per each account and push the missed payment to the end of the contract. I contunued to expalin to the young lady that I could no longer make the payments and that I may have to return the items. Well of course all the items are furniture except for a TV. She expalined that they do not take particial returns and that I would have to return everthing under the contract then she goes on to say we do not take back furniture and since on the account with the TV includes a bed I was unable to return the bed. She stated I would have to wait a couple months in order to try and be refinance with lower payments but they could not combine the three accounts. Im not understanding Conns. So if someone loses there job or the income is reduced and they are unable to make payments and can not return the items what are they to do. I would have been better off going to Arrons. Atleast I could ret the furniture if uanble to make payments. Once I get this issue resolved with Conns I will no longer use them every again nor would I recommend them to anyone.

  • Ct
      24th of Oct, 2017
    0 Votes

    @TIRED-FEED UP I was reading your post well im a month late will they come pick up the merchandise..and to be honest with you im not happy at all with my bed dont even feel like its worth making payments

  • Ca
      4th of Oct, 2013
    0 Votes

    In my experience Conns is literally the worst company. I put a Serta Mattress, bed frame, TV, and a Tv stand for somewhere around 4500 on my credit. I decided to leave my abusive boyfriend at the time and the only way to do that was take whatever I could in my tiny little Honda civic. A month later I finally realized I forgot to talk to Conns about my purchases, after a lot of harassing phone calls. I told them my situation and how I had no job and was no longer able to make the payments and to reposes the items, I no longer live in Texas and I am not able to return. They told me they could not go into the home (even though the apartment was still under my name). After a year today a number calls me and leaves a voicemail not directly telling me what company he works for but said it was impetrative to call him to talk about paperwork. I call this gentleman back and he tells me that he is now working on the conns account and would like to know why I haven't been making the payments. My credit is shot, I told conns that they can reposes the items except for the bed and adjust my payment to that. He said it was illegal to do that, and if I do not want to cooperate Conns can push for legal action. I have my rights as a individual purchaser, I told conns to pick up the purchase and they did not. I feel that this is selfish of the company, the TV was in mint condition and was only 90 days old. The apartment was under my name at the time and I Legally gave them permission to repossess the items. I am penalized because they could not cooperate with their consumer. This is seriously morally and ethically wrong on so many levels to hide disclaimers to the consumer especially now that everyone relies on their credit.

  • Ti
      31st of Oct, 2013
    0 Votes

    I too are having issues with Conns. I purchased items from Conns a year ago, shortly after I became ill, was in and out of the hospital and fell behind on bills. I spoke with a representative from Conns and asked for them to pick up the merchandise. They then started asking me if I can borrow the money from someone else; I told them no, then she proceeded to ask if my income tax will cover the amount. I told her no and again for them to pick up the items. After setting up a pickup, no one ever showed. Then they began to call my job, sent people to my mother's house; they harrassed my father who at the time was was dieing of cancer. They also call my sister non stop. Then they proceeded to sue me... WHY when I asked them months ago to pick things up. I finally had to change my phone number because of the relentless harassment. This summer I was laid off from my job and I will be just barely be starting a new job in November. But once again Conns has reared their ugly head again and threatening me with a bigger lawsuit and wage garnishment. Im tired of the the harassment. .. I wish they wouldve just came to retrieve the furniture when I first requested... im at my whits end with them and dont know what to do. I cant afford an attorney and they're destroying my credit.. please help with sound advice. Thank you

  • Di
      24th of May, 2014
    -1 Votes

    It is not fun to pay bills...I can't afford to pay my student loans but they don't go away!

    When you sign a contract that says you must pay the balance off, offering to return/repossess the merchandise does NOT make the debt go away! I am sorry you are all having bad experiences but they can ask for payment, their annoying tactics are common in collections, it's just usually you deal with a 3rd party when you don't pay bills so you don't hate the original company you just dislike the bill collector. Just because Conn's settles their own debts doesn't make them a bad company. I am not saying they are a good company eitber, but legally they are just trying to get their end of a contract fulfilled that you signed! You didn't have a problem signing the contract when you needed their stuff! You could have read the contract and not signed if you have a problem
    ...whoever said they wish they went to Aarons that is a terrible idea they charge you 10x more.

    Conn's can be a pain to deal with any company that finances to anyone does a lot of collections and that is an ugly business. Conn's is worth using if you can pay something off in 6 months and want it now and don't mind paying a little more, I'd limit to 1 item you really need like a TV, bed, or couch but not all 3 or a whole set or it is too expensive and too easy to get behind. I can get a 1200 tv for around 50 a month, sure it's 899 at costco but with bad credit it is worth it to me to have it now. Just like anything the key is papaypayipayibpaying it off early, no one complains that credit card companies are scams yet it takes 10 years to pay off a big bill if only make minimum payments!

    No one is going to take care of our credit but us! Educate yourself and make good decisions but don't blame a company if you don't like their policies after you signed paperwork saying you agree to them!

  • Le
      11th of Jun, 2018
    0 Votes

    @DinAz01 Lol. Everyone falls under hardship at some point in time. All my companies have worked with me when my hard time came...all EXCEPT Conn's and that speaks volumes. The customer service representative even had the nerve to belittle me and speak down on my income. Say what you may, but this is a company that DOES NOT CARE about its customers...bottom line!!!

  • Ve
      1st of Jun, 2014
    0 Votes

    Why is Conn's calling my phone. Conn's keeps calling me asking for my mum, then after they call my house still asking for my mother. How did Conn's even get my cell phone number?! I didn't give it to them and I know damn well my mother didn't give to them either. This is harassment, and it's not okay at all Conn's is not that important to call my house every few hours! STOP CALLING MY CEL PHONE AND MY HOUSE IT'S NOT COOL AT ALL I am only seventeen what the hell do I have to do with Conns!?!?!??!?!?!?!?!?! If Conn's wants to get sued they will if they don't stop all of the ridiculous harassment they are doing to EVERYONE!!! I am so tired of Conn's calling me while I'm in class, it's not okay at all STOP CALLING MY GODDAMN PHONE!

  • Fs
      31st of Jul, 2014
    0 Votes

    hey very angry teen you know depends where you live at the state at 17 they should not had given you an account because most states would not allow you to get credit because youd had to be at least 18 at 17 your not a adult id check into that

  • An
      5th of Apr, 2015
    0 Votes

    Conn's is named right my mom passed away last july and i been paying bill barely since then while taking care of my dad and then my other half hours get cut but still struggling but paid bill. Then January my hours was cut and well could not pay total bill in one paycheck they do not want part payments split to be able to pay they want total pay. I have paid over $2200 so far after year of payments. And Conn's Informs me I still have 21 payments left of $180. WTH almost 6000 for just a washer and dryer!!! I was out to finance them i should had gone to lowe's since i priced them their ad other places. Since this I have found out Conn's and their finance company Acceptance Now is Actually RENT A CENTER!!! I would had never stepped into conn's if I knew they lie and not financing but actually rent a center hint the trucks also have RAC some of them... They have called every I have family members... My kids also stated while they was here a white raggedy company truck park in front of house while i was at work even blocking their friends truck in and the phone rang over 15 times they said the driver they could see was dialing each time the phone rang. SCARE them to death. They called me at work at same time conn's was calling my cell over 8 times at the same time. One message even saying i know your their you car is out front (Car quit working same time my mom passed and no money to fix)

  • Ca
      13th of Jun, 2015
    0 Votes

    So i am paying my bill with Conn's and is 1 month behind on my bill. I receive calls starting at 8 am to about 10 pm at night on average every 1 and 1 /2 hour apart. I am informed them when I will be making a payment but they still call. I can see if I owed thousands and thousands of dollars but by balance is less that 100.00. I have worked collections in the past for a large company and if your made an arrangement to pay that was set up in the computer and all collections called would stop and restarted if the payment was not payed as scheduled. Very upset about the harassing calls that I receive and the way the callers try to tell me what to do with my pocket book. Very annoyed at this time. They probably tell you like they tell me it is the automatic system that calls but your are always talking to an individual.

  • Ja
      14th of Jun, 2015
    0 Votes

    On 06/02/3/2015, I missed a payment due to the fact I was having difficulty my bill. Conn's called me so much and harrassed the hell out of me. I told myself, what can of company did I just dealt with. I thought Conn's was a good company. But come to find I was wrong. after seeing all the reviews listed about Conn's I have learned alot. I called Conn;s immediately and said Come and ick yall stuff up. They Did, after the fact I filed a BBB compliant. I was not fin to have them call me and harrass me about me asking someone to borrow money.

  • Ja
      21st of Jul, 2015
    0 Votes

    I can agree the Conn's salesperson told me that there was no unemployment insurance, disability insurance, or any kind of insurance that I can have if I ever lose my job or can't pay a bill. Which I was misinformed about it I was told by Conn's that it was optional at the time of my purchase and that I would have to had purchase the optional insurance then, Well I told Conn's corporate that I was misinformed and there was no way that I could make a payment. I even filed a BBB telling Conn's to pick up there stuff. Conn still refuse to do that. They even refused to accept the fact it was a mistake on their behalf about the optional insurance. It is very wrongdoing that Conn' did this!!

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