Consumer complaint received 2016-07-21
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This compliant is regarding CONNS CREDIT out of XXXX. This company has used harassment and very demeaning while trying to back me into a corner to pay. After one day late on a payment starting XXXX the following day, they start with the 5 or more calls a day from different extensions out of XXXX LA. They recently started using a different number and location .I found this out when i answered the phone today. They call back to back twice in a row and leave a silent 3 second voicemail. I answered the phone today and this is what transpired. I was created by a lady, she identified she was with Conns and asked for name and date of birth and told me that a payment was needed. I told her sure i would be able to make the payment XXXX XXXX. From this point on she became mean, intrusive, and very demeaning. She then told me the status of the account and that i did n't have that kind of time. I told well all i can do is try and i do n't have it at the moment. She then to suggest i get it from a friend or family member. I told her i would and that fall under trying but i do n't have it now. She got more aggressive. She asked me do n't you have a job. I told her i work XXXX and the XXXX is low so I 'm not working. The she barks Well how often you get paid. Told her when i go to work it varies because i may not work the entire pay period. She says " no you have to get paid so which is it every other week or .... I told het it could bet the next day after i work but i have not been.Then she says so where is the other merchandise. I told her i do n't have any other merchandise. She then snaps and says well you been missed payments since last year so whats the excuse. I told her i started school last and I 'm a ft student. She then goes on to say oh so you have financial aid you can use that. I told her i used my financial aid to pay for school related stuff because I 'm XXXX.Then she say well you have finial aid because my friend is in college and she just hers. I kept telling her that i used it. She then say well when are you getting it. I told her XX/XX/XXXX ... she cut me off to say well you should have finial aid what did you do with it ... ... This worker actually want me to use the financial from the government to pay for a TV i thought. We exchange some more words and she continues to say things like, How do you pay your bills, etc. I told her my husband pays all the bills, ,She cuts me off and says ohhhh you have a husband well get him to pay your bills you have a XXXX income. I said no i do n't i am XXXX and have not worked. She states yes you do .When does he get paid? I said thurdays. She said well what did he do with the money from last thursday? I told her paid the car note and insurance. She said then he should n't have nothing to pay next thursday because you said he paid the rent so he should be able to pay this bill. Then she just kept rambling to the point i told her i was not going to be trying to talk over her. She said well thank you for not talking over me now what i was saying ... I told her look you act like the police and i told you already i do n't have anything to give you right now. Then she says well you not going to be able to buy a car and do n't call us back saying we messed up your credit because you had the chance to pay. I told it is what it is and while i was talking she basically hung up in my face. I called back and a guy answered and i told him the situation and he said he would get the supervisor .A lady, not sure if its the same one came and this started all over again .Them questioning me and threatening me. Saying that they mailed out a letter .Telling me to get money from others, I was n't going through that so i told them they can either accept it or not.These people harassed me, belittled my situation insinuating i was lying but then when i offered to make it current they turned it down.

Company response to consumer: Closed with explanation