Consumer complaint received 2018-06-19
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am in the process of purchasing a home that is under contract and scheduled to close on XX/XX/XXXX.

I was approved for my loan when we got an alert that my credit changed.

My loan processor checked my credit report and noticed that Conns reported my payments late for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX.

I was surprised because I made an agreement with their debt collection company on payments that I submitted the day they contacted me.

I immediately contacted Conns for an explanation on XX/XX/XXXX. They informed me to contact XXXX XXXX to discuss the account. I then dialed them and spoke to my representative ( XXXX ) who informed me my payments are not reflecting late.

I then contacted Conns back and spoke to a supervisor. The supervisor said they would open a ticket to review the request for an updated payment history.

I called numerous times throughout the next couple of days.

I contacted XXXX with XXXX XXXX because Conns informed me that they needed proof the payments were made on time and for the amount we agreed with them. We agreed to make payments of {$87.00} monthly.

I paid {$140.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX, {$87.00} on XX/XX/XXXX and an additional amount of {$300.00} on XX/XX/XXXX.

I requested they send a breakdown of my payment history and payment agreement to Conns. They stated they sent it to their inner customer service department.

I called Conns and they stated I needed to contact XXXX XXXX for the letter. However, i informed them I already had a ticket open with them to obtain this letter.

The supervisor with Conns said he would get it to me. XX/XX/XXXX, I got XXXX with XXXX XXXX to send Conns proof of payment.

I called Conns again for an update and they said the ticket comments show the request closed.

This was not correct because I still needed a letter.

I told them to open another ticket so that I could get this resolved. I needed a letter showing the payments were reported in error and they would correct them.

XX/XX/XXXX, I spoke to Conns and they stated that the request was rejected because the debt collection company ( XXXX XXXX ) did not provide proof of our payment arrangements and the times they were made.

XXXX stated Conns told him their account shows current and they would update the credit.

I received a letter from Conn 's on XX/XX/XXXX that was a payment history report. However, I told them with the original ticket request that I need the letter to state my credit report would be corrected.

I called on XX/XX/XXXX to inform them of the new letter I needed and they stated it wasn't an option.

They then informed me they would only be updating a 180 day late report on my credit. Which didn't seem clear because I do not have a report for that amount late.

This is directly keeping me from purchasing the house I have a contract on that I previously qualified for and now those late reports have dropped my credit beyond acceptance.

They are not reporting my payment history accurately. I sent them proof of my payments made and that they were for the agreed amount with their debt collector.

Company response to consumer: Closed with explanation