Consumer complaint received 2021-11-08
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/XXXX, I purchased various goods and entered into an installment agreement with conns appliances incorporated dba Conns I also purchased the insurance that would allow me to file a claim if I had or came across any damages to the products during the duration of the contract. On or around XXXX of XXXX, I filed a claim with Conns regarding the furniture That had begun to show signs of manufacturer defects. Conns set up an appointment with their furniture repair man on or about XX/XX/XXXX. The gentleman came to my home assessed the furniture and the damages, he told me at this time that the furniture was not repairable it was a manufacturer defect, and he would make this report and turn into Conns. I was to wait for Conns to contact me with further instruction. About a week or two Later, I received a phone call from Conns and during the phone call I was given instruction 2 either dispose of the furniture or give the furniture to charity and that Conns would not be requiring the furniture back. They also said that they would XXXX out my account balance and no further payments on the account would be required. This was at the beginning of quarantine due to COVID-19 and about three weeks later after this phone call I began to receive collection calls for payment on this same account. Directly after I was told to give the furniture to charity I went back to Conns and purchased another set of living room furniture in the amount of {$5500.00} which I paid in full by XXXX of XXXX. Still during this time, I continued to receive phone calls that my account was in collections, attempting every time, to explain the situation, which I would then be transfer to someone else that was supposed to be able to handle my account. I would be placed on hold for hours each time, and then either I would have to disconnect the call because I could not wait any longer or the phone call would disconnect itself. Either way I would never be able to speak to anyone that could help me around XXXX of XXXX I was notified that my credit score had been impacted by a collection report and after further investigation I realized that this report was from Conns. I then begin the process over the next few months of disputing the derogatory mark, in which Conns would simply reply to my dispute with nonfactual claim information. I continue this process up until the last dispute which was around one month ago in XXXX of XXXX with no success. on or about XX/XX/XXXX of XXXX, I hired a credit repair company and paid money for them to pursue this and other derogatory reporting that contained inaccurate information Affecting my credit report. On XXXX the XXXX XXXX, I was served papers from XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX in XXXX TX, stating that I am being sued by Conns Appliances Incorporated dba Conns stating that I entered into an installment agreement with Conns incorporated, and that I, the defendant, defaulted in making payments on the account. Further stating that the last payment on the account was made on XX/XX/XXXX. Which I continued to make payments through XXXX even though I had already given the furniture as instructed by Conns to charity and the balance was already supposed to be zeroed out in XXXX of XXXX This information was given to me by Conns and I did as instructed by Conns to do. I have been diligent on my end to get this corrected and every attempt I was unable to be successful because of Conns lacking due diligence and the failure of properly handling my account and fulfilling their obligation to me as a customer, per our contract. I have had several installment agreements with Conns over the years and my credit reflects 100 % good standing and completing all other obligations to Conns and now I am being sued over their lack of reporting correct information on this account. My plans are to countersue Conns for unfair trade practices and breaching our contract. I have spent hours of my time trying to defend my position and not one of these hours was I ever given the opportunity to speak to someone that could affectively handle the situation. I have pictures of the furniture and emails that I sent initially 2 Conns when I filed a claim on the insurance and all the correspondence that followed, and which I have stated in my dispute on my credit report and continues to fall on deaf ears. My plan is to seek compensation for what they continually choose to put me through regarding this situation that could have been and should have been handled almost two years ago.

Company response to consumer: Closed with explanation